Bankruptcy Attorney in Philadelphia, Pennsylvania

Bankruptcy Lawyer Serving Philadelphia and the Surrounding Counties

From Center City to the Far Northeast, South Philly to Manayunk, the Law Office of Mike Assad can help you stop the collection calls, the lawsuits, and the wage garnishments, and give you a real fresh start. Mike is a Pennsylvania bankruptcy attorney who handles Chapter 7, Chapter 13, foreclosure defense, and student loan discharge for people across Philadelphia and the surrounding counties, all over Zoom from the comfort of your own home.

No trip downtown. No parking garage. No waiting room.

Free Zoom consultation, no obligation

Book a free consultation and Mike will tell you exactly where you stand, whether bankruptcy is the right move or whether there is a better option. You will talk to Mike directly. Not a paralegal. Not an AI screener. Just a real conversation about your real situation.

Philadelphia neighborhoods and counties we serve

We represent clients across the city and the four collar counties, including:

• Center City and nearby: Center City, Old City, Northern Liberties, Fishtown, Fairmount, Queen Village, Bella Vista, Graduate Hospital
• South and Southwest Philadelphia: South Philly, Point Breeze, Grays Ferry, Eastwick
• Northeast Philadelphia: Mayfair, Frankford, Port Richmond, Bustleton, Somerton, Tacony
• Northwest Philadelphia: Manayunk, Roxborough, Germantown, Mount Airy, Chestnut Hill
• West Philadelphia: University City, Overbrook, Wynnefield
• Bucks County: Levittown, Bensalem, Bristol, Doylestown, Langhorne
• Montgomery County: Norristown, King of Prussia, Lansdale, Abington, Cheltenham, Pottstown
• Delaware County: Upper Darby, Chester, Media, Drexel Hill, Lansdowne
• Chester County: West Chester, Coatesville, Phoenixville, Downingtown

If your neighborhood or town is not on the list but you are in the Philadelphia area, we almost certainly serve it. Just ask.

How we help Philadelphia residents

Chapter 7 bankruptcy. Wipe out credit card debt, medical bills, and personal loans. Most cases close in 90 to 120 days. Flat-fee pricing with flexible payment plans.

Chapter 13 bankruptcy. Behind on your mortgage or your car payment? Chapter 13 lets you catch up over a 3 to 5 year court-approved plan while keeping your home and car. Attorney fees are built into the plan, nothing extra out of pocket.

Foreclosure defense. If a foreclosure action has been filed against your Philadelphia-area home, filing bankruptcy stops the sheriff sale and gives you breathing room to restructure.

Student loan discharge. Recent legal changes have made it possible to discharge federal and private student loans through bankruptcy in ways that were not available even a few years ago.

Subchapter V (small business reorganization). A faster, lower-cost alternative to traditional Chapter 11 for Philadelphia small business owners who need to restructure debt and keep operating.

Why Philadelphia clients choose us

• Same lawyer from start to finish. You hire Mike, you work with Mike. Other firms sell you on filing and then hand your case off. Not here.
• A real human answers the phone. No AI screeners, no chatbots. When you call, you get a person.
• Everything over Zoom. Whether you are in South Philly, the Northeast, or out in the suburbs, the process is the same: secure video meetings, e-signed documents, and zero windshield time on I-95, the Schuylkill, or the Boulevard.
• Flat-fee Chapter 7 with payment flexibility. No surprise hourly bills.
• Free credit rebuild course. Every case includes “7 Steps to a 720 Credit Score,” a bonus course that has clients qualifying for prime credit in under two years.

Filing in the Eastern District of Pennsylvania

Philadelphia bankruptcy cases are heard in the U.S. Bankruptcy Court for the Eastern District of Pennsylvania, which sits in Philadelphia and covers Bucks, Montgomery, Delaware, Chester, and the surrounding counties. Most hearings, including the required 341 meeting of creditors, are now conducted remotely, which means clients across the region can complete the entire process without ever stepping into a courthouse.

Mike Assad’s background

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, is a member of the National Association of Consumer Bankruptcy Attorneys, has lectured for the Pennsylvania Bar Institute, and was named to Atlantic City Weekly’s Top 40 Under 40.

Schedule your free Philadelphia consultation

Stop the collection calls, the lawsuits, the wage garnishments. Book a free Zoom consultation and find out where you stand, with no obligation and no pressure.