Best Chapter 13 Bankruptcy Lawyer in Philadelphia: Expert Legal Guidance for Debt Relief

When you face financial difficulties, you need expert legal guidance.

Chapter 13 bankruptcy offers a path to reorganize debts and regain financial stability.

But, navigating the process requires skill and experience.

Finding the right Chapter 13 bankruptcy lawyer in Philadelphia can significantly impact your case’s outcome and help you achieve a fresh financial start. A top-tier attorney will assess your unique situation, explain your options, and guide you through the complexities of bankruptcy law.

With their expertise, you can develop a manageable repayment plan and protect your assets while working towards a debt-free future.

1) David M. Offen, Esq.

David M. Offen is a highly experienced bankruptcy attorney in Philadelphia.

With over 20 years of practice, he has helped more than 12,000 individuals and families navigate their financial challenges.

Mr. Offen specializes in Chapter 7 and Chapter 13 bankruptcy cases.

His expertise extends to debt relief and mortgage foreclosures, making him a valuable resource for those facing complex financial situations.

He is a member of the Eastern District of Pennsylvania Bankruptcy Conference and the National Association of Consumer Bankruptcy Attorneys.

These affiliations keep him updated with the latest developments in bankruptcy law.

David M. Offen is licensed to practice in both Pennsylvania and New Jersey.

This dual-state qualification can be particularly beneficial if your financial matters cross state lines.

Mr. Offen’s law office is committed to helping you improve your financial situation.

They offer free consultations and virtual meetings, making it convenient for you to take the first step towards financial recovery.

You can expect personalized attention when working with David M. Offen.

He understands that each client’s situation is unique and requires a tailored approach to achieve the best possible outcome.

2) Michael A. Cataldo, Esq.

A bustling city street with a prominent law office sign, surrounded by tall buildings and busy pedestrians

Michael A. Cataldo is a highly experienced bankruptcy attorney based in Philadelphia.

With a career spanning over three decades, he has handled more than 10,000 consumer bankruptcy cases.

You’ll find Mr. Cataldo’s expertise particularly valuable if you’re considering Chapter 13 bankruptcy.

He concentrates his practice in consumer bankruptcy, including Chapter 13, Chapter 7, and Subchapter V cases.

Mr. Cataldo’s credentials are impressive.

He has been senior board certified by the American Bankruptcy Institute for over 30 years.

This certification speaks to his deep understanding of bankruptcy law and procedures.

When you work with Mr. Cataldo, you’re getting more than just legal representation.

Former clients praise his caring and understanding approach.

He goes above and beyond to help alleviate stressful financial situations.

Mr. Cataldo’s dedication to his field has not gone unnoticed.

He has been recognized as one of the Three Best Bankruptcy Attorneys in Philadelphia by Three Best Rated in 2021.

He has also received the Distinguished rating from Martindale-Hubbell.

You can find Mr. Cataldo at the Philadelphia office of Gellert Seitz Busenkell & Brown, LLC.

His extensive experience and client-focused approach make him a top choice for those seeking Chapter 13 bankruptcy guidance in Philadelphia.

3) Frederick L. Reigle, Esq.

An elegant courthouse building in downtown Philadelphia, with a prominent sign reading "Frederick L. Reigle, Esq. Best chapter 13 bankruptcy lawyer."

Frederick L. Reigle, Esq. is a highly experienced bankruptcy attorney serving Philadelphia and the surrounding areas.

With decades of practice under his belt, you can trust his expertise in Chapter 13 bankruptcy cases.

As the Standing Chapter 13 Trustee for the Eastern District of Pennsylvania since 1981, Mr. Reigle has an unparalleled understanding of the bankruptcy process.

His extensive experience allows him to navigate complex cases with ease, ensuring the best possible outcomes for his clients.

You’ll benefit from Mr. Reigle’s deep knowledge of bankruptcy law and his commitment to providing personalized service.

He takes the time to understand your unique financial situation and develops tailored strategies to help you achieve debt relief.

Mr. Reigle’s office is located in Reading, PA, but he serves clients throughout the Eastern District of Pennsylvania.

You can expect professional and compassionate representation when working with this esteemed bankruptcy attorney.

With a career spanning over four decades, Frederick L. Reigle has helped countless individuals and families navigate the challenging process of Chapter 13 bankruptcy.

His dedication to his clients and his expertise in the field make him a top choice for those seeking debt relief in Philadelphia.

4) Cibik Law, P.C.

Cibik Law, P.C. stands out as a leading bankruptcy law firm in Philadelphia.

With over 40 years of experience, they have helped thousands of clients navigate through complex financial situations.

Attorney Michael A. Cibik, Esq. has filed numerous bankruptcy cases for residents of the Greater Philadelphia area.

His expertise extends to both Chapter 7 and Chapter 13 bankruptcy filings.

The firm prides itself on providing superior, cost-efficient, and value-oriented bankruptcy legal services.

You can expect compassionate and respectful treatment throughout your case.

Cibik Law, P.C. serves clients in Center City, Bucks, Montgomery, and Delaware Counties.

Their team of experienced lawyers is dedicated to finding the best solutions for your financial challenges.

When you work with Cibik Law, you benefit from their extensive knowledge of bankruptcy law.

They offer personalized strategies to help you move forward with a clean slate.

The firm’s commitment to client satisfaction is evident in their approach.

They take the time to understand your unique situation and provide tailored advice.

If you’re considering Chapter 13 bankruptcy, Cibik Law can guide you through the process.

Their attorneys will explain your options and help you make informed decisions about your financial future.

5) Sadek and Cooper Law Offices

Sadek and Cooper Law Offices is a prominent bankruptcy law firm in Philadelphia.

They specialize in Chapter 13 bankruptcy cases, offering expert guidance to individuals facing financial difficulties.

When you choose Sadek and Cooper, you’ll work with experienced attorneys who understand the complexities of bankruptcy law.

Their team is dedicated to helping you navigate the Chapter 13 process and achieve a fresh financial start.

The firm’s attorneys recognize that each client’s situation is unique.

They take the time to assess your specific circumstances and develop a tailored strategy to address your debt concerns.

Sadek and Cooper Law Offices have multiple locations in the Philadelphia area, making it convenient for you to meet with an attorney.

Their commitment to accessibility ensures you can get the help you need when you need it most.

The firm’s founder, Brad J. Sadek, is a passionate advocate for people facing financial distress.

His expertise and leadership have helped thousands of clients successfully resolve their financial issues through Chapter 13 bankruptcy.

At Sadek and Cooper, you’ll receive comprehensive support throughout the bankruptcy process.

Their attorneys will guide you through filing procedures, represent you in court, and work with creditors on your behalf.

The firm offers free initial consultations, allowing you to discuss your financial situation and explore your options without any obligation.

6) David M. Frees III, Esq.

A courtroom with a lawyer presenting a case, surrounded by clients and legal documents

David M. Frees III is a highly respected attorney specializing in trust, estate, and wealth preservation.

As the head of the Trust, Estate and Wealth Preservation Section at Unruh, Turner, Burke & Frees, he brings extensive experience to his practice.

Mr. Frees also co-chairs the Elder Law Solutions section of the firm, demonstrating his commitment to serving clients across various legal needs.

His expertise extends beyond traditional estate planning, encompassing complex wealth preservation strategies.

You can benefit from Mr. Frees’ knowledge in multiple areas of law.

He has served on the boards of several trust companies and trust committees, indicating his deep understanding of financial matters related to estate planning.

Mr. Frees’ reputation precedes him, as evidenced by his appearances on National Public Radio (NPR).

He is frequently invited to speak on trust and estate-related topics, showcasing his authority in these fields.

Mr. Frees has been selected to Super Lawyers multiple times, including consecutive years from 2017 to 2024.

With over 62 years of combined experience on his team, you can trust that your legal matters will be handled with the utmost professionalism and expertise. Mr. Frees’ office is located in Phoenixville, Pennsylvania, making his services accessible to clients in the greater Philadelphia area.

7) Harold Shepley & Associates, LLC

Harold Shepley & Associates, LLC is a full-service debt relief and bankruptcy law firm with offices across Pennsylvania.

They specialize in helping individuals and families navigate the complexities of Chapter 13 bankruptcy.

The firm’s experienced attorneys can guide you through the Chapter 13 process.

This process allows you to restructure your debts and create a manageable repayment plan.

This option may be suitable if you have a regular income and want to protect your assets while repaying your debts.

Harold Shepley & Associates can assist you if your unsecured debts are less than $394,725 and secured debts are under $1,184,200.

These limits ensure that you qualify for Chapter 13 bankruptcy under Pennsylvania law.

When you work with this firm, they will outline a personalized plan of action based on your specific goals and financial situation.

Their attorneys understand that every case is unique and requires careful consideration.

You can schedule a free consultation with Harold Shepley & Associates to discuss your debt problems and explore your options.

Their team will help you make an informed decision about whether Chapter 13 bankruptcy is the right choice for your circumstances.

The firm has received positive reviews from clients, with many praising their professionalism and expertise in handling bankruptcy cases.

Their attorneys strive to provide compassionate and effective legal representation throughout the bankruptcy process.

8) Law Office of Gregory J. Spadea

A well-dressed lawyer sits behind a mahogany desk in an elegant office, surrounded by law books and legal documents.</p><p>The room exudes professionalism and expertise

The Law Office of Gregory J. Spadea offers experienced legal representation for Chapter 13 bankruptcy cases in Philadelphia.

You can benefit from Mr. Spadea’s extensive background in tax and estate planning.

As a former IRS Agent and Pennsylvania Certified Public Accountant, Mr. Spadea brings over 25 years of valuable experience to your bankruptcy case.

His unique perspective can help you navigate complex financial situations.

Mr. Spadea graduated from Widener University School of Law in 1999, adding legal expertise to his financial knowledge.

This combination allows him to provide comprehensive advice on your bankruptcy options.

You’ll find the Law Office of Gregory J. Spadea in Folsom, Pennsylvania, conveniently located near Philadelphia.

They offer free initial consultations to discuss your financial situation and potential bankruptcy strategies.

When you work with Mr. Spadea, you’ll receive personalized attention from an attorney who understands both the legal and financial aspects of bankruptcy.

He can guide you through the Chapter 13 process, helping you create a manageable repayment plan.

The firm accepts major credit cards, making it easier for you to access their services.

With their focus on individual attention and professional expertise, you can feel confident in your choice of legal representation for your Chapter 13 bankruptcy case.

9) Jason A. Richman, Esq.

Jason A. Richman, Esq. is a seasoned civil trial and appellate attorney practicing at Brandon J. Broderick, Attorney at Law.

With over 25 years of experience, he specializes in personal injury cases, focusing on construction site injuries, motor vehicle collisions, product liability, and medical malpractice.

As a native of Skaneateles, New York, Jason brings a wealth of local knowledge to his practice.

He earned his Juris Doctor from Syracuse University College of Law, establishing a strong foundation for his legal career.

You’ll find Jason’s expertise particularly valuable if you’re dealing with complex civil litigation matters.

His extensive experience in personal injury cases can be crucial when navigating the intricacies of Chapter 13 bankruptcy proceedings that may involve injury-related debts.

Jason’s dedication to his clients is evident in his approach to each case.

He strives to provide personalized attention and thorough representation, ensuring that your rights and interests are protected throughout the legal process.

When considering Jason A. Richman for your Chapter 13 bankruptcy case in Philadelphia, you can expect a professional who combines years of litigation experience with a deep understanding of personal injury law.

This unique blend of expertise can be particularly beneficial if your bankruptcy involves injury-related financial challenges.

10) Eisner Law Firm, P.C.

Eisner Law Firm, P.C. is a respected bankruptcy practice in Philadelphia.

They specialize in Chapter 13 bankruptcy cases and have a track record of helping clients navigate complex financial situations.

The firm’s attorneys have extensive experience in debt restructuring and repayment plans.

They work closely with you to understand your unique financial circumstances and develop a tailored approach to your Chapter 13 filing.

You can expect personalized attention from Eisner Law Firm.

Their team takes the time to explain the intricacies of Chapter 13 bankruptcy and guides you through each step of the process.

The firm’s knowledge of local bankruptcy courts and trustees is invaluable.

This familiarity can help streamline your case and potentially lead to more favorable outcomes.

Eisner Law Firm offers flexible scheduling options to accommodate your busy life.

They understand that financial stress can be overwhelming and strive to make the legal process as smooth as possible for you.

Their attorneys stay up-to-date with the latest changes in bankruptcy law.

This ensures that you receive current and accurate advice throughout your Chapter 13 proceedings.

11) Brad J. Sadek, Esq.

Brad J. Sadek is a prominent bankruptcy attorney in Philadelphia.

His expertise in bankruptcy law has made him a sought-after professional in the field.

You can benefit from Sadek’s extensive experience in handling Chapter 13 bankruptcy cases.

He has helped thousands of clients resolve their financial distress through his law offices.

Sadek’s contributions to bankruptcy law extend beyond his practice.

In 2018, he was featured on an NBC 10 segment discussing medical debt, demonstrating his knowledge and authority in the field.

You’ll find that Sadek has been consistently recognized as a Philadelphia Super Lawyer.

This recognition speaks to his expertise and dedication to his clients.

Sadek’s expertise isn’t limited to bankruptcy law.

He has also served as an expert witness on Consumer Bankruptcy and Residential Mortgage Foreclosure Laws, showcasing his comprehensive understanding of financial legal matters.

When you work with Sadek, you’re choosing a lawyer who understands the complexities of Chapter 13 bankruptcy.

His firm, Sadek Bankruptcy Law Offices, has multiple locations in the Philadelphia area to serve you better.

Sadek’s approach to bankruptcy focuses on providing you with significant monthly savings on your debts.

This can lead to a higher level of disposable income and potentially improve your credit score due to a better debt-to-income ratio.

12) William D. Schroeder, Jr., Esq.

William D. Schroeder, Jr. is a seasoned bankruptcy attorney serving the Philadelphia region.

With over 35 years of experience, he has been providing legal services to clients in Montgomery, Bucks, Chester, Berks, Lehigh, and Philadelphia counties since 1984.

As a specialist in bankruptcy law, Mr. Schroeder focuses on Chapter 7 and Chapter 13 cases.

His expertise can help you navigate the complex world of debt relief and financial restructuring.

When you’re facing foreclosure or overwhelming debt, Mr. Schroeder’s firm can assist you in stopping sheriff sales and exploring your options.

They offer services in debt settlement, negotiation, and mortgage modification to help you regain financial stability.

Mr. Schroeder’s commitment extends to individuals, families, and small businesses struggling with debt.

His approach is tailored to your specific situation, ensuring you receive personalized attention and guidance throughout the bankruptcy process.

With a reputation for professionalism and dedication, William D. Schroeder, Jr. has earned positive reviews from clients.

His expertise in bankruptcy law makes him a valuable resource when you’re seeking relief from debt and lawsuits.

If you’re considering bankruptcy or need advice on debt consolidation, Mr. Schroeder’s extensive experience can provide you with the support and knowledge necessary to make informed decisions about your financial future.

13) Michael Alan Siddons, Esq.

When facing Chapter 13 bankruptcy, you need an experienced attorney to guide you through the complex process. Michael Alan Siddons is a highly regarded bankruptcy lawyer serving clients in Media, PA and the surrounding areas.

Mr. Siddons has earned prestigious legal ratings, including the Martindale-Hubbell AV rating and an AVVO “Superb” 10.0 out of 10.0 score.

These accolades reflect his expertise and dedication to client satisfaction in bankruptcy cases.

With a focus on Chapter 7 and Chapter 13 bankruptcies, Mr. Siddons can help you determine if Chapter 13 is the right choice for your situation.

This option may be particularly beneficial if you have valuable property you wish to keep, such as real estate, vehicles, or investments.

At the Law Office of Michael Alan Siddons, you’ll receive personalized attention and expert advice tailored to your unique financial circumstances.

The firm offers a 25% contingency fee structure for personal injury cases, demonstrating their commitment to making legal representation accessible.

You can reach out to schedule a consultation with Mr. Siddons to discuss your bankruptcy options.

His office is conveniently located in Media, Pennsylvania, serving clients in the surrounding areas including Rising Sun, MD and Staten Island, NY.

Understanding Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows you to restructure your debts and create a repayment plan while keeping your assets.

This type of bankruptcy provides relief for individuals with regular income who want to pay off their debts over time.

Eligibility Requirements

To qualify for Chapter 13 bankruptcy, you must have a regular income and unsecured debts below $419,275 and secured debts below $1,257,850.

These limits are adjusted periodically.

You must also be current on your tax filings.

Individuals, including self-employed people and small business owners, can file for Chapter 13.

Corporations and partnerships are not eligible.

You’ll need to complete a credit counseling course from an approved provider within 180 days before filing.

Filing Process

To begin the Chapter 13 process, you’ll file a petition with the bankruptcy court.

This petition includes:

  • Schedules of assets and liabilities
  • Current income and expenditures
  • Executory contracts and unexpired leases
  • Statement of financial affairs

You’ll also need to provide:

• Tax returns for the past 4 years
• Proof of income for the past 60 days
• A list of all creditors and amounts owed

After filing, an automatic stay goes into effect, halting most collection actions against you.

Repayment Plans

The core of Chapter 13 is the repayment plan.

You’ll propose a 3-5 year plan to repay your debts.

The length depends on your income relative to your state’s median income.

Your plan must allocate all of your disposable income to paying creditors.

Disposable income is what’s left after paying necessary living expenses.

Priority debts, like recent taxes and child support, must be paid in full.

Secured debts, like mortgages, may be paid over the life of the plan.

Unsecured debts receive whatever is left over.

A bankruptcy trustee will oversee your case and distribute payments to creditors according to the approved plan.

Qualities of the Best Chapter 13 Bankruptcy Lawyers in Philadelphia

When seeking a Chapter 13 bankruptcy lawyer in Philadelphia, certain qualities set the best attorneys apart.

These key attributes include extensive experience, positive client feedback, and a proven track record of success.

Experience and Expertise

The top Chapter 13 bankruptcy lawyers in Philadelphia have years of specialized experience.

They should be well-versed in both federal and Pennsylvania bankruptcy laws.

Look for attorneys who are Board Certified in Bankruptcy Law, as this demonstrates advanced expertise.

Seek lawyers who have handled a variety of Chapter 13 cases, including complex situations.

They should also be familiar with local court procedures and trustees.

The best attorneys stay updated on changes in bankruptcy laws and regulations.

Experienced lawyers can provide valuable insights on whether Chapter 13 is the right option for your specific financial situation.

They can also guide you through the entire process, from filing to debt repayment plan completion.

Client Testimonials and Reviews

Client feedback offers crucial insights into a lawyer’s performance and client satisfaction.

Look for attorneys with consistently positive reviews on reputable platforms.

Pay attention to comments about communication skills, responsiveness, and ability to explain complex legal concepts clearly.

Young, Marr & Associates is an example of a firm with strong client testimonials.

Satisfied clients often mention feeling supported throughout the bankruptcy process.

Be wary of lawyers with numerous complaints or negative reviews.

However, remember that a few negative comments among many positive ones shouldn’t necessarily be a dealbreaker.

Success Rate

A high success rate is a crucial indicator of a lawyer’s effectiveness in Chapter 13 cases.

Ask potential attorneys about their track record in getting Chapter 13 plans approved and completed.

The best lawyers should be able to provide statistics on their success rates.

Inquire about their experience in negotiating with creditors and modifying repayment plans when necessary.

Skilled attorneys can often help clients retain important assets while managing debt effectively.

Consider lawyers who have experience as former Chapter 7 trustees, as this can provide valuable insights into the bankruptcy process.

Look for attorneys who have successfully handled cases similar to yours in terms of complexity and financial circumstances.

How a Chapter 13 Bankruptcy Lawyer Can Help You

A skilled Chapter 13 bankruptcy lawyer provides crucial assistance in navigating the complex legal process.

They offer personalized guidance, develop tailored repayment plans, and ensure your rights are protected throughout the bankruptcy proceedings.

Evaluating Your Financial Situation

A Chapter 13 bankruptcy attorney will thoroughly assess your financial circumstances.

They’ll review your income, assets, debts, and expenses to determine if Chapter 13 is the best option for you.

Your lawyer will help you understand the eligibility requirements for Chapter 13 bankruptcy.

They’ll also explain how it differs from Chapter 7 and which option might be more beneficial in your case.

They’ll also analyze your debt-to-income ratio and identify which debts can be included in your repayment plan.

This evaluation is crucial for creating a realistic and achievable financial strategy.

Developing a Custom Repayment Plan

Once your financial situation is clear, your attorney will craft a personalized repayment plan.

This plan typically spans 3 to 5 years and aims to help you catch up on missed payments while keeping your assets.

Your lawyer will negotiate with creditors to potentially reduce interest rates or extend payment terms.

They’ll ensure the plan meets legal requirements and is feasible based on your income.

The repayment plan will prioritize certain debts, such as mortgage arrears, car loans, and tax obligations.

Your attorney will structure the plan to maximize debt relief while protecting your important assets.

Guidance Throughout the Legal Process

Your Chapter 13 bankruptcy lawyer will guide you through every step of the legal process.

They’ll help you complete and file all necessary paperwork accurately and on time.

Your attorney will also represent you in court hearings and meetings with creditors.

They’ll address any objections from creditors or the trustee and work to resolve disputes in your favor.

Throughout the bankruptcy term, your lawyer will assist with ongoing compliance requirements.

They’ll also help you navigate any changes in your financial situation that might affect your repayment plan.

Your attorney will also advise you on rebuilding your credit after bankruptcy and provide strategies for maintaining financial stability in the future.

Frequently Asked Questions

Chapter 13 bankruptcy in Philadelphia involves specific legal processes, costs, and qualifications.

Understanding these aspects is crucial for individuals considering this financial option.

What are the qualifications to look for in a Chapter 13 bankruptcy attorney in Philadelphia?

Look for attorneys with extensive experience in Chapter 13 cases.

Also, seek lawyers who are board-certified in bankruptcy law, like Michael A. Cibik from Cibik Law, P.C.

Ensure they have a strong track record of successful Chapter 13 filings in Philadelphia.

Check their reviews and ratings from previous clients.

How does Chapter 13 bankruptcy differ from Chapter 7 in terms of legal process and outcomes?

Chapter 13 involves a repayment plan, typically lasting 3-5 years.

You keep your assets but must pay creditors a portion of your debts.

On the other hand, Chapter 7 liquidates non-exempt assets to pay creditors.

It’s quicker but may result in losing property.

Chapter 13 often provides more flexibility for homeowners facing foreclosure.

What is the average cost for a Chapter 13 bankruptcy lawyer in Philadelphia?

Costs vary based on case complexity.

Many Philadelphia lawyers offer free initial consultations to discuss fees.

Expect to pay between $3,000 to $5,000 for legal fees in a typical Chapter 13 case.

Some attorneys, like those at Sadek and Cooper Law Offices, may offer payment plans.

What is the process for filing Chapter 13 bankruptcy in Pennsylvania?

Start by completing credit counseling.

Then, gather financial documents and work with your attorney to create a repayment plan.

After that, file your petition and proposed repayment plan with the bankruptcy court.

Attend a 341 meeting of creditors.

If approved, begin your repayment plan.

Can Chapter 13 bankruptcy in Pennsylvania involve the liquidation of assets?

Generally, Chapter 13 doesn’t involve asset liquidation.

You keep your property while repaying debts through a structured plan.

In rare cases, you might choose to sell assets to fund your repayment plan.

However, this decision is typically voluntary and made in consultation with your attorney.

What assistance is available for individuals unable to afford bankruptcy filing fees in Pennsylvania?

If your income is below 150% of the federal poverty line, you may qualify for a fee waiver.

The court can also allow you to pay the filing fee in installments.

Some non-profit organizations offer pro bono bankruptcy services.

For information on low-cost or free legal assistance, contact the Philadelphia Bar Association.