Credit Counseling and Bankruptcy Filing

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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.

Credit Counseling and Bankruptcy Filing

Under the Bankruptcy Abuse and Consumer Protection Act of 2005 individuals who plan to file for bankruptcy must complete under Rule 11 U.S.C. Section 109 a Credit Counseling Course prior to filing a Chapter 7 or a Chapter 13 Bankruptcy Petition. Our office ensures that all clients comply with the counseling requirement and registers all clients for the course. The credit counseling costs are always included in or total legal fees charged by Sadek Bankruptcy Law Offices.

Clients may choose whether to take the course online or over the phone with a counselor at their convenience, twenty four hours a day, 7 days a week. The counseling session includes an evaluation of the individuals personal financial situation and proposes a budgeting plan. In preparation of the credit counseling course, one should have their most recent paystubs, list of debts and regular monthly expenses readily available. The counseling session generally lasts forty-five minutes. Over the years, my office has received great reviews about the credit counseling course and we all enjoy hearing a financial concept recently learned by our client(s). Upon completion of the credit counseling session a course certificate is generated, emailed to our law office and filed along with the bankruptcy petition. After filing bankruptcy, a second course and sequel, “Debtor Education” is required to receive a discharge in Bankruptcy. Our next Blog entry will discuss Debtor Education in greater detail. Should you have any questions regarding the aforementioned blog entry or if you have any questions regarding Bankruptcy and/or Family Law, please do not hesitate to contact the lawyers at Sadek Bankruptcy Law Offices.

To speak with one of our lawyers regarding your financial situation, please contact one of our conveniently located law offices listed below.

CENTER CITY PHILADELPHIA: , 1500 JFK Boulevard, #220 Phila., PA 19102   215-545-0008
NORTHEAST PHILADELPHIA: 2375 Woodward Street, #105 Phila., PA 19115 215-545-0008
DELAWARE COUNTY OFFICE: 1515 Wallingford Road, #218, Springfield, PA 19064 610-432-3111
NEW JERSEY OFFICE: 302 Washington Avenue, Suite 101 West, Moorestown, NJ 08057 877-452-9411

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