Free Bankruptcy Consultation in Pennsylvania & New Jersey

Every case starts the same way: a free, confidential conversation with attorney Mike Assad, by phone or Zoom. Not a salesperson, not an intake service, the lawyer who would actually handle your case.

There is no pressure and no obligation. If bankruptcy is not the right move for you, Mike will tell you that, and tell you what to do instead.

What we’ll cover

• Whether Chapter 7, Chapter 13, or another option fits your situation
• What happens to your home, your car, and your retirement accounts
• How filing stops collection calls, lawsuits, wage garnishments, and foreclosure
• What the process costs and how payment plans work
• What your timeline would look like if you decide to move forward

What to have handy

You don’t need documents for the first call. It helps to know roughly what you owe, who is chasing you the hardest, and what your household income looks like. That’s enough for Mike to give you a straight answer about your options.

What happens after

If you decide to move forward, you’ll get a clear quote and a short list of documents to gather. Most clients never have to come into an office; nearly everything can be handled by phone, Zoom, and secure upload.

If you decide not to file, that’s fine too. You’ll leave the call knowing where you stand.

Frequently asked questions

Is the consultation really free?

Yes. The consultation is free and confidential, whether or not you hire the firm. You will never get a bill for it.

Do I have to come into an office?

No. Consultations are by phone or Zoom, and almost every case can be handled remotely from anywhere in Pennsylvania or New Jersey.

Will you pressure me to file bankruptcy?

No. Bankruptcy is a tool, not a sales pitch. If a debt workout, a loan modification, or simply waiting makes more sense for you, that’s the advice you’ll get.

How soon can we talk?

Usually within one business day. Schedule your free consultation online.