Cibik and Cataldo, P.C.

Firm Overview

I established the law firm alone in 1980. My firm partner, Michael Cataldo, joined me 20 years ago. Today we are the largest consumer bankruptcy firm in the five counties Greater Philadelphia Area (Chester, Bucks, Montgomery, Delaware, and Philadelphia Counties).

We focus on consumer bank, specifically in Chapter 7 and 13. We are a very specialized firm. Example casesMy practice is limited to the representation of debtors in Chapter 7 and Chapter 13 bankruptcies. I have successfully represented thousands of clients seeking bankruptcy protection since 1980 and I have handled over 15,000 consumer and small business bankruptcy cases.
Main Office
1500 Walnut Street
Suite 900
Philadelphia  PA  19102
  • (215) 735-1060
  • (215) 735-6769


Free Initial Consultation?
Yes, we offer a free initial consultation for half an hour.
Services Offered For Fixed Fees?
We do have fixed prices, but it depends on the case.
Hourly Rates
Most of our cases are fixed fee cases.

Office Information

Office Hours
Monday through Friday
9:00 a.m. to 7:00 p.m.

11:00 a.m. to 2 p.m.
Emergency After Hours
Languages Spoken

How did your firm decide on the primary area of practice(s)?

My bankruptcy practice found me -- -- I didn't find it. Upon graduating from law school and then obtaining my Masters of Law in Taxation, the new chapter 13 trustee, who was a classmate of mine, allowed me to take over his bankruptcy cases since he had a conflict. Also, at that time I became a chapter 7 panel trustee for the Chief Bankruptcy Judge in Philadelphia. I love the entire bankruptcy process and the financial relief it affords debtors.

What is your firm's point of view regarding clients educating themselves on legal issues?

I support clients educating themselves in legal matters.

Is your firm willing to review documents prepared by clients?

I am willing to review documents.

Is your firm willing to coach clients who want to represent themselves?

I am not willing to coach clients who want to represent themselves. My malpractice insurance prohibits this.

Michael Cibik

I have been working in this field for 30 years. I was a chemical engineer with Dupont before working as an attorney.

My 25+ years of bankruptcy experience and my bankruptcy certification as a bankruptcy specialist in both consumer and business bankruptcy make me well qualified to represent debtors in Chapter 7 and Chapter 13 bankruptcy cases.

Either my partner or I personally see all new clients on their first visit. I generally see 75% of new clients. I am direct and upfront. My clients do not hear what they want to hear from me, but they hear what they need to hear. However, my direct demeanor is tempered by compassion and understanding.

Personal interests:

I enjoy tennis, ski racing (NASTAR), scuba diving (Certified Rescue Diver), flying (Commercial Pilot) and exercising.

  • Bar Number: 23110
    Pennsylvania , 1976
  • Widener University School of Law
    Juris Doctor , 1976
    Wilmington, DE
    Civil Litigation
  • Temple University Law school
    LL.M. , 1981
    Philadelphia, PA
    Tax Law
  • University of Delaware
    M.B.A. , 1972
    Wilmington, DE
  • Pennsylvania State University
    B.S. , 1966
    University Park, PA
    Chemical Engineering

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