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 in Philadelphia, Pennsylvania
Your relief from debt starts right here.
We help people across Pennsylvania get a fresh start. Meet entirely by phone or Zoom, or visit our Philadelphia office.
Free ConsultationNo pressure and no obligation
Payment PlansFlexible payment options
100% VirtualMeet over Zoom, never leave homeServices at this office
All of our practice areas are available to Philadelphia clients.
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 consolidationWhat 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
PA Bankruptcy Court
Where your Philadelphia case is filed
If you file from our Philadelphia office, your case goes through the U.S. Bankruptcy Court for the Eastern District of Pennsylvania (Philadelphia). Mike practices there regularly and stays with your case from the first call through discharge.
We help people across Philadelphia, Bucks, Chester, Delaware, and Montgomery County and throughout Pennsylvania.
Common questions about filing near Philadelphia
Which bankruptcy court will handle my case if I file near Philadelphia?
Cases filed from our Philadelphia office go through the U.S. Bankruptcy Court for the Eastern District of Pennsylvania (Philadelphia). We practice there regularly and handle your filing from start to finish.
Which counties do you serve from the Philadelphia office?
We help people across Philadelphia, Bucks, Chester, Delaware, and Montgomery County areas, and throughout the state.
Do I have to come into the Philadelphia office?
No. We handle everything over phone or Zoom, from the first consultation to the signed filing. Most clients never need to visit in person.
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 all of Pennsylvania, by phone or Zoom wherever you are, including these communities in the city and the four collar counties:
- 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. Affordable 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. Fees depend on your case, and you can get started for as little as $99.
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.
Pennsylvania Office
Philadelphia
1819 John F. Kennedy Blvd, Suite 307
Philadelphia, Pennsylvania 19103Phone: (609) 808-3300
Email: mike@assad.law
| Monday | Open 24 hours |
| Tuesday | Open 24 hours |
| Wednesday | Open 24 hours |
| Thursday | Open 24 hours |
| Friday | Open 24 hours Open now |
| Saturday | Open 24 hours |
| Sunday | Open 24 hours |
- Philadelphia
Our other offices
We serve clients across Pennsylvania and New Jersey. Visit one of our other locations:
Ready for a fresh start in Philadelphia?
Free consultation over phone or Zoom. No obligation.
Book Free ConsultationQualifying filers may be eligible for our $999 flat fee Chapter 7.