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 obligation, just honest advice
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 give you an honest read 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 consolidation
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 walks you step by step toward a 720 credit score.
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
NJ & PA 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 Education Chair of the Eastern District of Pennsylvania Bankruptcy Conference. In bankruptcy court, he recovered $20,000 for a client whose 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.
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 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