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Confidential · Most matters handled on contingency where applicable
Call (215) 735-1060
Home/Attorneys/Cibik & Cataldo
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- Attorneys in Philadelphia, | CGMIMM

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Attorneys

1500 Walnut St, Philadelphia, PA, 19102

⚖️Free Consultation

Cibik & Cataldo, a Philadelphia bankruptcy law firm, has provided superior, cost-efficient, and value-oriented legal services in a compassionate and respectful manner to thousands of clients.

The Philadelphia law firm concentrates solely on consumer and business bankruptcy matters. Debt consolidation attorneys Michael A. Cibik, Esq. and Michael A. Cataldo, Esq. are both certified by the American Bankruptcy Certification Board and have filed well in excess of 20,000 personal bankruptcies. ABC Certification provides an objective standard that assists the public in making informed decisions when choosing counsel. Additionally, ABC certification encourages attorneys to strive toward excellence and recognizes those attorneys who have met ABC’s rigorous standards.

Business Hours
Monday - Friday 9am-5pm

Business email: [email protected]


Contact Information

(215) 735-1060
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1500 Walnut St
Philadelphia, PA 19102
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Past results do not guarantee future outcomes. Communications do not establish an attorney-client relationship.

📚 Related legal guides

Background reading on the practice areas this attorney handles.

bankruptcy
Wage Garnishment Defense in Pennsylvania
Pennsylvania wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Debt-Collection Defense in Pennsylvania
Pennsylvania consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Student-Loan Discharge in Bankruptcy in Pennsylvania
Pennsylvania student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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