Chapter 7 Bankruptcy
Wipe out credit card debt, medical bills, and personal loans. Most cases close in 90 to 120 days.
Learn about Chapter 7Bankruptcy Lawyer Providing Debt Relief to Philadelphia and South Jersey
Your relief from debt starts right here.
We can help you stop debt collectors, lawsuits, repossessions, foreclosures, wage garnishments, and those annoying phone calls. You deserve a fresh start.
Qualifying filers may be eligible for our $999 flat fee Chapter 7.
Free ConsultationNo pressure and no obligation
Payment PlansFlexible payment options
100% VirtualMeet over Zoom, never leave homeHow we can help.
Chapter 13 Bankruptcy
Restructure what you owe into an affordable 3 to 5 year plan. Keep your home, keep your car.
Learn about Chapter 13
Chapter 11 Subchapter V
Streamlined reorganization for small businesses. Keep operating while restructuring debt under a court-approved plan.
Learn about Subchapter V
Student Loan Discharge
Since 2022, federal student loans have a realistic hardship-discharge path in bankruptcy. Private loans are harder. We'll tell you where you stand on both.
Learn about student loans
Foreclosure Defense
Behind on your mortgage? Chapter 13 stops the foreclosure and lets you catch up and keep your home.
Learn about foreclosure defense
Debt Consolidation
Roll multiple debts into one affordable monthly payment through a court-approved Chapter 13 plan.
Learn about debt consolidationMeet Mike Assad
NJ & PA Attorney
Mike is admitted to the U.S. Bankruptcy Courts for the District of New Jersey and the Eastern, Middle, and Western Districts of Pennsylvania, and has represented both debtors and creditors. He has served on the local bankruptcy rules committee in the Eastern District and as Third Circuit leader for the National Association of Consumer Bankruptcy Attorneys. He currently serves as Consumer Education Chair of the Eastern District of Pennsylvania Bankruptcy Conference. In bankruptcy court, the court awarded his client $20,000 after a creditor violated the automatic stay (In re Minarik) and obtained Rule 9011 sanctions against a creditor (In re Heasley).
Mike earned his J.D. at Widener University Delaware Law School and his B.A. at Thomas Edison State University. He is admitted to practice in Pennsylvania and New Jersey and was named one of the Top 40 Under 40 by Atlantic City Weekly in 2009.
Read more about MikeWhat makes us different
Deep Experience
Mike has represented many people in bankruptcy and focuses his practice on it across Pennsylvania and New Jersey.
No Bait and Switch
Other lawyers may sell you on filing a bankruptcy and then pass your case off. With us, you work with the same lawyer from start to finish.
Always a Live Person
Other lawyers may use AI to handle their calls. With us, you always get a live person.
Secure Client Portal
Your documents go through a secure portal, not email. We take privacy seriously.
Our Reviews
5.0 from 15 Google reviews across our 3 offices
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Mike was amazing! He handled my situation very gracefully and within a timely manner. His instructions were clear to follow and he was very patient.
Mayte Nicole 2 weeks ago
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Hands down the best attorney I’ve ever had.
David a month ago
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I can’t say enough good things about Mike. He helped me with a debt issue and took the time to truly understand my situation. …
Nia Reid-Bey 2 months ago
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Mike Assad was absolutely wonderful from beginning to end with my bankruptcy process. He was very patient and guided me the whole way with what to expect. …
Andrea Greene 2 months ago
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I highly recommend Mike Assad to anyone considering Chapter 13 bankruptcy. He is extremely thorough, detail-oriented, and takes the time to make sure every part of the case is handled correctly. …
Yolanda Wideman 3 months ago
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Mike Assad is exactly the kind of person you want when filing Bankruptcy. He is curious, compassionate, extremely knowledgeable, and available whenever you need him. …
Michael Ayars 3 months ago
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Mike Assad is the best Lawer I every had for what he did for me , was absolutely wonderful . I got done what I needed to get done with n probablems .
debra alexander 3 months ago
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Exceptional Lawyer — Compassionate, Knowledgeable, and truly non-judgmental
My partner and I were going through one of the most stressful and overwhelming experiences of our lives when we found Mike Assad, and we cannot express…
Philadelphia 3 5 months ago
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No BS, Mike was a very nice guy and very helpful to me! He had excellent responsiveness, meaning he’ll get back to or respond to you pretty quick; great communicator! …
Cody C 5 months ago
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My bankruptcy attorney Mike Assad made this process smooth and easy. I never felt judged or looked down upon for my decision. …
RJ PaperWorld BFDI 5 months ago
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I’ve known Mike for years and can personally speak to his integrity, professionalism, and work ethic. He takes his clients’ needs seriously and works hard to get them the best possible outcome. …
Mike B 5 months ago
Common questions
Will I lose my house?
In most cases, no. If you're current on your mortgage and the equity is covered by your bankruptcy exemptions, Chapter 7 lets you keep your home. If you're behind on payments, Chapter 13 lets you catch up over 3 to 5 years while stopping foreclosure.
We will review your specific situation on the free consultation and tell you exactly what to expect.
Will my employer find out?
Generally, no. Bankruptcy is a public record, but employers don't typically check unless your job involves a security clearance or a financial role.
How long does it take?
Chapter 7 typically closes in 90 to 120 days from filing. Chapter 13 runs 3 to 5 years because you're repaying creditors through a court-approved plan. In both, collections stop the moment we file.
Can I keep my car?
Usually. If you're current on a car loan and the equity falls within exemptions, you keep the car. If you're behind on payments, Chapter 13 can catch you up. If the car isn't worth what you owe, there are options to renegotiate the loan.
Does filing stop collection calls immediately?
Yes. The automatic stay goes into effect the moment we file. Creditors must stop calling, mailing, suing, garnishing wages, and foreclosing. Violations are sanctionable, so most creditors comply immediately.
Do I need to come to an office?
No. We handle everything over phone or Zoom, anywhere in Pennsylvania or New Jersey, from the first consultation to the signed filing. Most clients never need to visit an office.
New Jersey
Cherry Hill Office
923 Haddonfield Road, Suite 336Cherry Hill, NJ 08002Bankruptcy help in Cherry Hill
New Jersey
Egg Harbor Township Office
1402 Doughty Road, 2nd floorEgg Harbor Township, NJ 08234Bankruptcy help in Egg Harbor Township
Pennsylvania
Philadelphia Office
1819 John F. Kennedy Blvd, Suite 307Philadelphia, PA 19103Bankruptcy help in Philadelphia