PROVIDING SUPERIOR BANKRUPTCY, DEBT CONSOLIDATION AND NEGOTIATION SERVICES FOR TWENTY FIVE YEARS.
For the past 30 years it has been our goal to provide you with high quality bankruptcy representation. We listen to your situation and discuss how a bankruptcy will or will not help you. You will not feel pressured. At our FREE consultation we are prepared to file quickly in an emergency situation, but will not try to pressure you or talk you in to something that makes no sense just to collect a fee. We understand that we work for you and that our office is the last place that you expected to need. Having over 30 years of experience we can analyze your situation quickly and explain the process to you in clear terms. Our support staff is helpful and compassionate. Our responses to questions are prompt and personalized. Filing bankruptcy emotionally is a tough decision and we understand the difficult step you took to reach out for help. If you are going to do a bankruptcy or consider filing one you need the peace of mind of knowing that your attorney is automated, organized and cares about his work product and earning the fee that you paid. Many debtor attorneys are only interested in their fee. Many are also sole practitioners and never available or always in court when something important is happening. With two board certified attorneys and a full staff you can be assured to get someone in your times of need. We look forward to meeting with you and assisting you to obtain that fresh start that you deserve and need.
The Basics of Pennsylvania Bankruptcy Law
Pennsylvania bankruptcy law protects consumers from financial ruin and the potential to be abused by outstanding creditors. By allowing consumers to have their qualifying debts eliminated, bankruptcy is a federal process which offers all Americans a second chance at controlling their debt. The Philadelphia Bankruptcy Attorneys of Cibik & Cataldo, P.C., recognize that financial hardships can happen to anyone, and consumers that fall into this category sometimes do not have the ability to comply with creditors’ repayment demands.
Pennsylvania bankruptcy law is a unique type of law based on forgiveness rather than punishment. The Philadelphia debt consolidation Attorneys of Cibik & Cataldo, P.C., use bankruptcy laws to assist you when your only way out of financial hardship is the cancellation of debt. The debt-relief Attorneys of Cibik & Cataldo, P.C., have the necessary experience to determine the qualifications you must meet in order file for bankruptcy.
As of October 17, 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act will take effect, enforcing tougher restrictions on clients trying to file under Chapter 7 bankruptcy. The Bankruptcy Attorneys of the Philadelphia, Pennsylvania law firm of Cibik & Cataldo, P.C., will advise you of your legal rights as these new bankruptcy laws enter their infancy stages, and will fight to keep your bankruptcy rights protected in the future.
For over 25 years, The Philadelphia, Pennsylvania debt-relief law firm of Cibik & Cataldo, P.C., provides superior, cost-efficient, and value-oriented legal services in a compassionate and respectful manner to thousands of clients in Philadelphia and the surrounding counties of Montgomery, Delaware, Bucks and Chester in the following areas:
The law firm of Philadelphia, Pennsylvania Cibik & Cataldo, P.C., is fully staffed and concentrates solely in consumer and business bankruptcy matters. The Firm does not represent banks, finance companies or insurance companies: only individuals, small business owners and their claims. Debt consolidation Attorneys Michael A. Cibik, Esquire and Michael A. Cataldo, Esquire are both certified by the American Bankruptcy Certification Board and have filed well in excess of 10,000 personal bankruptcies. ABC Certification provides an objective standard that assists the public in making informed decision in choosing counsel. Additionally, ABC certification encourages attorneys to strive toward excellence, and recognizes those attorneys who have met ABC’s rigorous standards.
Financial problems can be deeply disturbing and extremely stressful. You should not feel alone if you are embarrassed about considering bankruptcy. It is only natural that you would prefer to pay your bills, but bankruptcy may be your best option if you are not able to pay all of your debt.
When you’re filing a bankruptcy, it is critical to understand your legal rights. The Philadelphia, Pennsylvania bankruptcy law firm of Cibik & Cataldo, P.C., personally meets with every client for the initial consultation to determine the appropriate course of action. And initial consultations are always free.
If you or someone you know in Philadelphia, Pennsylvania, or within the surrounding cities and counties of Pennsylvania, needs debt consolidation legal counsel or the assistance of an experienced bankruptcy lawyer, contact the Attorneys of Cibik & Cataldo, P.C., today, at 215-735-1060, or use the contact form provided on this site to schedule a consultation with an experienced Philadelphia debt-relief lawyer.