Top Philadelphia Bankruptcy Attorneys and Home Foreclosure Defense Attorneys

See our difference, feel your relief

Over 750 ★★★★★ Google Reviews


At Sadek Bankruptcy Law Offices, we realize that every situation is different. Our debt relief lawyers will take the time to learn about your situation and your goals. Our objective is to explain your legal options and offer the best debt relief strategy for you in the most compassionate and friendly manner possible. Call 24/7 to schedule your meeting with a lawyer.


Our office understands the financial stress our clients endure. Therefore, in addition to reasonable legal fees, we offer a payment plan to all of our valued clients to make quality legal services most affordable.


In addition to our primary law office in Center City, Philadelphia, we also have law offices throughout the Greater Philadelphia, Pennsylvania Area and in New Jersey. Our branch offices have contributed to making us the #1 Bankruptcy Filer and debt relief firm in the Greater Philadelphia area. Our goal is to have a convenient location within 20 minutes of where our clients work or reside.

Schedule a Consultation Now with a Philadelphia Bankruptcy Attorney

You will be meeting with an experienced and trusted debt relief lawyer via phone, zoom or in-person who is licensed to practice in Pennsylvania and New Jersey. If schedules allow, most people speak with our firm’s founding Partner, Brad J. Sadek.

The consultation is generally 15-30 minutes, however, a complex matter may take more time.

The consultation is free of charge and you are under no obligation to hire our law firm.

Until we are made aware of your individual circumstances it is not possible to give a legal fee or legal strategy. You will be given a specific legal fee tailored to your situation at the consultation. Please note, our retainer (deposit to hire Sadek Bankruptcy Law Offices) can be as low as $200.00.

We offer each client a payment plan to make legal services most affordable.

Top Philadelphia Bankruptcy Attorneys

Philadelphia Bankruptcy Lawyer

Top Philadelphia Bankruptcy Attorneys and Home Foreclosure Defense Attorneys

The Philadelphia, Pennsylvania bankruptcy law firm of Sadek Bankruptcy Law Offices represent the legal needs of our clients and their businesses in the Philadelphia, PA area.

Sadek Bankruptcy Law Offices provides high-quality legal services, including Consumer Bankruptcy Law, Business Bankruptcy Law, and Immigration Law, among other legal fields to clients throughout Philadelphia, PA and surrounding areas, including, Montgomery, Bucks, Chester, Delaware Counties and Southern New Jersey.

Philadelphia Bankruptcy Lawyer

To best resolve your financial situation, it is imperative that you consult an experienced Philadelphia bankruptcy lawyer.

The attorneys of Sadek Bankruptcy Law Offices, from our five office locations in the Philadelphia, Pennsylvania area, have assisted thousands of clients resolving their financial distress.

We look forward to putting our experience, knowledge and dedication to work for you! If you are suffering from financial hardship, we welcome you contact our debt relief lawyers and schedule a free consultation to determine the best course of action for your financial situation.

The firm’s goal is to provide clients with personalized attention, accessibility, and support through every stage of their case. Understanding every aspect of the case allows our attorneys to deliver pioneering legal strategies.

Philadelphia Bankruptcy Lawyer

Top Benefits of a Chapter 7 Bankruptcy in Philadelphia

1. The Automatic Stay

Under 11 USC Section 362, upon the filing of a Bankruptcy Petition, the commencement or continuation of all actions against the Bankruptcy filer must stop. Meaning, the instant a Chapter 7 Bankruptcy is filed, any collection efforts, including phone calls, letters, emails or social media messaging, lawsuits, bank levies, and other procedures, must stop.

2. Potential for Savings

According to a United States Trustee Survey, “Bankruptcy by the Numbers”, the median amount of unsecured debt included in a Chapter 7 bankruptcy matter nationwide is $23,628.00. Over a seven-year repayment term, the minimum monthly payment on such debt is roughly $700.00 per month.

In a Chapter 7 Bankruptcy, assets are protected, and debt is forgiven, giving the Chapter 7 filer the option to re-allocate their minimum monthly debt payments into potential regular savings. Such savings should help keep a bankruptcy filer from incurring new debt, because they have a financial cushion to absorb emergency expenses.

3. Increased Credit Score

According to Findlaw, most bankruptcy filers see an improved credit score after one year if they take the right steps. So long as a Chapter 7 bankruptcy filer does not incur new unsecured debt, a potential 50-100 point increase in credit score can be achieved.

Because the Chapter 7 Bankruptcy filer will have a financial fresh start, they can expect to receive numerous offers of credit. It is our recommendation to stay away from offers of credit and to use a secured credit card to further bolster your credit score after a bankruptcy filing.

Such financial habits will lead to lower interest rates for future purchases on big ticket items, such as a vehicle or home purchase. You can find more information about filing a chapter 7 bankruptcy in Philadelphia here.

Top Benefits of a Chapter 13 Bankruptcy in Philadelphia

1. Stopping Mortgage Foreclosure or Vehicle Repossession

Chapter 13 Bankruptcy is commonly used to stop pending mortgage foreclosure, tax foreclosure or looming vehicle repossession. Because the Chapter 13 Bankruptcy involves a three to five year repayment plan, the bankruptcy filer can keep their home or vehicle and continue the regular monthly payments, plus pay towards the delinquency in a trustee payment.

2. Reorganization of Debt

If unsecured debt, such as credit cards, personal loans, collections and medical bills, are part of the Chapter 13 Bankruptcy matter, the filer, unlike debt consolidation, will only make payments towards such debts based on what they can afford, rather than based on what they are due and owing.

In a Chapter 13 plan, unsecured debts are generally reduced, thereby creating more affordability for one’s most important assets, such as their home, car or even rental payments.

It is also most common in Chapter 13 Bankruptcy to lower car payments by way of a vehicle cram-down or paying the vehicle through the plan over a new three-to-five-year term, which in essence refinances the vehicle. You can read more about reorganization of debt here.

3. Flexibility in Filing

Per 11 USC Section 727(a)(8), a Chapter 7 bankruptcy may only be filed every eight years. However, Chapter 13 does not have the same restriction. Meaning a Chapter 13 can be filed multiple times if needed, and done in good faith.

Also, A Chapter 13 Plan can be modified based on the filer’s change in financial circumstances. A decrease precipitates Common Chapter 13 Plan modifications in income, modification of mortgage, sale and/or purchase of a vehicle, refinance or sale of real estate, and many other financial changes that occur. You can read more about the benefits of filing a chapter 13 bankruptcy in Philadelphia.

Top Rated Philadelphia Bankruptcy Lawyer

Philadelphia Business Bankruptcy Attorneys

Are you searching for Top Rated Philadelphia Bankruptcy Lawyers? You deserve a fresh start. Our office is conveniently located next to City Hall. We also have locations throughout the greater Pennsylvania area.

For more information – please use our office finder below to locate an office closest to you. If you are searching for Philadelphia Bankruptcy Attorneys or any of its surrounding areas – you should know that bankruptcy brings relief.

Bankruptcy can stop harmful debt collection, negotiate a debt settlement, help you with your foreclosure defense, give you credit card debt relief, and much more. Choosing the wrong PA Bankruptcy Lawyers could be a costly mistake.

Top Bankruptcy Lawyer Brad Sadek of Sadek Bankruptcy Law Offices helps people throughout the Philadelphia area with local bankruptcy assistance. Our Philadelphia Office is conveniently located near most mass transit lines and can easily be accessed via car.

Don’t let bankruptcy scare you. Begin your path to financial freedom by contacting Sadek Bankruptcy Law Offices today.

If you are suffering from financial hardship, we welcome you to contact our debt relief lawyers and schedule a free consultation to determine the best course of action for your financial situation.

The firm’s goal is to provide clients with personalized attention, accessibility, and support through every stage of their case. Understanding every aspect of the case allows our attorneys to deliver pioneering legal strategies.

brad sadek esquire

Meet Our Attorneys

At Sadek Bankruptcy Law Offices we are proud to offer an array of bankruptcy solutions to individuals who are seeking bankruptcy solutions to their debt problems.

Our bankruptcy lawyers provide individuals with a meticulous analysis of their bankruptcy options and potential courses of action that are likely to result in a favorable outcome. We approach all bankruptcies individually and strategically.

When you work with us on a potential bankruptcy you can rest assured that your matter will be handled confidentially and professionally.

What Our Happy Clients Say

Over 750 ★★★★★ Google Reviews

“Brad Sadek was honest and straightforward regarding our case. He discussed our options and helped us navigate a very complicated case. Would highly recommend his services.”

– Ryan


Why Choose Sadek Bankruptcy Law?


Years of Combined Experience


Named One of the Top Philadelphia Bankruptcy Attorneys


Over 750 Five Star Reviews


Serving Clients in 8 Locations Throughout PA & NJ

Contact Our Firm

See our difference, feel your relief

brad sadek

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