Chapter 7 Bankruptcy
Wipe out credit card debt, medical bills, and personal loans. Most cases close in 90 to 120 days.
- Eliminate unsecured debt
- Stop wage garnishment immediately
- Protect exempt property
Bankruptcy Attorney · Pennsylvania & New Jersey
Free ConsultationNo obligation, just honest advice
100% VirtualMeet over Zoom, never leave home
Payment PlansFlexible, flat-fee options
Your relief from debt starts right here.
Contact us today so we can help you stop debt collectors, lawsuits, repossessions, foreclosures, and wage garnishments. You deserve a fresh start.
Free ConsultationNo obligation, just honest advice100% VirtualMeet over Zoom, never leave homePayment PlansFlexible, flat-fee optionsHow we can help.
Chapter 13 Bankruptcy
Restructure what you owe into an affordable 3 to 5 year plan. Keep your home, keep your car.
- Catch up on mortgage arrears
- Stop foreclosure proceedings
- Consolidate into one payment
Chapter 11 Subchapter V
Streamlined reorganization for small businesses. Keep operating while restructuring debt under a court-approved plan.
- Stay open while you reorganize
- No creditors' committee required
- Faster, lower-cost than traditional Ch. 11
Student Loan Discharge
Recent legal changes have made it possible to discharge federal student loans through bankruptcy. We can evaluate your eligibility.
- Undue hardship analysis
- Federal student loans eligible
- New DOJ guidelines in your favor
Free with every case
We will help you get to a 720 credit score
It will not take long to rebuild your credit because we give you the tools to do it. 7 Steps to a 720 Credit Score is a free bonus course, included with your case, that can get you to a 720 credit score in under two years.
Follow the steps and you could be back to a great score in no time: qualifying for low-interest cards, saving thousands on car and home loans, and never again dreading a credit check from a landlord or employer.
Meet Mike Assad
Founding Attorney
Mike has represented individual and corporate debtors and creditors in reorganizations and liquidations across the U.S. Bankruptcy Courts for the District of New Jersey and the Eastern, Middle, and Western Districts of Pennsylvania. 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 bankruptcy education chair for the Eastern District of Pennsylvania Bankruptcy Conference.
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 is a prominent bankruptcy attorney in the region.
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.
Our Reviews
Common questions.
Will I lose my house?
In most cases, no. If you're current on your mortgage and the equity falls within state 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 Zoom, 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 08002
Pennsylvania
Philadelphia Office
121 South Broad Street, Suite 1507Philadelphia, PA 19107