Philadelphia Bankruptcy Lawyers

Top Bankruptcy Attorneys and Home Foreclosure Defense Attorneys.

Over 750 ★★★★★ Google Reviews

brad sadek

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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.

Philadelphia Bankruptcy Lawyers

Whether you are filing for bankruptcy in Philadelphia or trying to stop a foreclosure, our Philadelphia bankruptcy lawyers provide clients a free consultation with a licensed attorney. We also provide flexible and affordable payment plans for any client who may need assistance.

Call or request a free consultation with our experienced lawyers in Center City Philadelphia for exemplary debt relief legal services – and get the financial relief you deserve.

We’re available 24/7 to talk about debt relief strategies that are compatible with your current situation. Whether you are filing for bankruptcy or trying to stop a foreclosure, we provide new clients a free consultation with a licensed attorney. We also provide flexible and affordable payment plans for any client who may need assistance.

Call or request a free consultation with our experienced lawyers in Center City Philadelphia for exemplary debt relief legal services – and get the financial relief you deserve.

Center City Philadelphia, PA

1500 JFK Boulevard Suite 220,
Philadelphia, PA 19102
United States (US)

Philadelphia Bankruptcy Attorney

Opening Hours

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.

Debora A Williams
Debora A Williams
I received immediate response to my issues and continue to get the services to help me.
Allison Johnson
Allison Johnson
They worked with me fast. They was experienced and explain every detail about the bankruptcy with me.
B Gallagher
B Gallagher
Just needed advice and helped out greatly. Will keep in mind for the future use.
Sarah Wood
Sarah Wood
The BEST experience during a difficult situation. If you're looking for a firm that's going to act swiftly on your behalf AND make it easy and stress free, these are your people!
Joan Beitler
Joan Beitler
They worked very fast for me. Very knowledgeable and friendly.
Mario DeJesse
Mario DeJesse
I am very happy with the service provided by Sadek Law Services.
mark g
mark g
The law office did a great job filing my paperwork in a timely manner.
To start, OMG! Attorney Sadek was very helpful and provided assistance to all my needs and questions. Awesome attorney with superior guidance with my debt issues! I recommend this firm to anyone looking for bankruptcy support! 5 Star Rating!!
denita womack
denita womack
Everything was so professional the attorneys are awesome. If anyone needs help I highly recommend!!!!!

Consumer Bankruptcy Law

Chapter 13

Chapter 13 bankruptcy is a legal process in Center City that allows people to repay their debts over time while having the opportunity to keep valuable assets, like a home. We realize that nobody likes the idea of Bankruptcy, but a Chapter 13 Bankruptcy is a reorganization of debt contemporaneous with legal protections that are unfounded in any other area of law.

The most powerful aspect of a Bankruptcy is the automatic stay.  The automatic stay which can be found in 11 U.S.C Section 362 states in relevant part that no creditor can commence or continue collection efforts against a bankruptcy filer.

Meaning that as soon as a bankruptcy is filed, not do just phone calls stop, but lawsuits, judgment execution, foreclosure proceedings, and even sheriff sales on personal and real property are immediately halted.  This gives immediate financial relief to the bankruptcy filer and affords them a chance to restructure and reprioritize their debts.

philadelphia chapter 7 bankruptcy attorney

Chapter 7

Unlike a Chapter 13 Bankruptcy which involves a repayment plan towards debt, a Chapter 7 Bankruptcy is an immediate discharge or wiping out of unsecured debts. Debts that can be included in a Chapter 7 Bankruptcy are credit card debts, medical bills, personal unsecured loans, timeshares, certain tax debts, deficiencies on vehicles and much more.

One of the most common misconceptions about a Bankruptcy is that it will destroy your credit score. The filing of a bankruptcy actually erases the pre bankruptcy credit history which allows the filer a financial fresh start without debt and a fresh start on their credit as well. After a bankruptcy the filer(s) will receive a plethora of offers for credit. Who better to lend money to then someone who is no longer carrying debt?

Our advice is to stay away from any and all new unsecured debt after bankruptcy and allow your savings and your credit score to continue to rise. We have seen credit scores rise over 100 points in the first year after filing and yours can rise too!

Bankruptcy Alternatives

There are alternatives to filing bankruptcy in Center City that can lower your debt and stress for certain situations. Services like foreclosure defense, IRS defense, and other debt-relief services can be an effective strategy to get your debt under control.

Call our attorneys in Center City and receive free consultations and reviews of your financial situation to determine a strategy that’s right for you.

Our Bankruptcy and Foreclosure Law Firm

Our Bankruptcy and Foreclosure law firm started in downtown Philadelphia in 2006. Our sole lawyer at the time had a vision where potential clients can receive a free initial consultation, honest legal opinions and an affordable payment plan for legal services.

Today, the same principles are the backbone of our law firm and is what continues to set us apart. Though Sadek bankruptcy law has expanded in size and geographical scope over the years; our Center City Philadelphia office continues to operate as the hub of our growing regional law practice.

Our Philadelphia office is centrally positioned within 3 blocks of the Broad Street Subway, the Market-Frankford Line and the Patco High Speed Line. For the convenience of our clients who drive into Philadelphia, there is private parking next to our office suite.

Our bankruptcy attorneys and foreclosure lawyers have over 50 years of combined experience helping clients get a fresh financial start through our legal services. Whether our clients’ issues are credit cards, personal loans, mortgage foreclosure or tax foreclosure; our lawyers have the experience and knowledge to guide our clients towards efficient resolutions.

Our attorneys pride themselves on being accessible, sympathetic and zealous advocates for our clients. We understand that reaching out for help is a big decision, it is our goal to show you that calling Sadek bankruptcy law was the right choice!

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Mortgage Modification & Foreclosure Defense

Oftentimes a hardship such as unemployment, reduction in income, divorce or separation, or unanticipated expenses leads to late or unpaid mortgage payments.

When such a hardship occurs a mortgage modification may be a viable option, especially if other debts (credit cards, vehicle payments, etc.) are substantially current or non-existent. A modification generally results in a change in the interest rate or term of the mortgage and includes the mortgage arrears (amount behind) in the new principal loan amount.

In times when home values are increased, mortgage companies and mortgage servicers lack the incentive to engage in mortgage modification plans and therefore the homeowner is forced to litigate and defend a foreclosure lawsuit.

Our law office has experience in filing Preliminary Objections, Answers, New Matter and Motion practice in the Philadelphia Courts of Common Pleas to keep our clients in their homes using the legal system.

Although every legal situation is different it is always best to contact a lawyer upon receipt of a Notice of Intent to Foreclose or upon service of a Foreclosure Complaint. The earlier an attorney is involved the more legal options and strategies are available to you.

Mortgage Modification & Foreclosure Defense

Debt Consolidation

Also known as debt settlement, debt consolidation involves making a single payment to all your creditors for a reduced amount to what is owed. Our lawyers in Center City Philadelphia work with your creditors to negotiate these payments.

Debt consolidation generally is most successful when there is a relatively high amount of disposable income in comparison to the debt. In this case it can be assured that the borrower is saving enough money on a monthly basis at a pace faster than the debt itself is growing.

Unfortunately, too often a debt consolidation is entered into and only a portion of the debt is satisfied due to lack of sufficient disposable income to reduce the total amount of debt due and owing.

IRS Defense

Center City Offer in Compromise

An offer in compromise (OIC) is an agreement between a taxpayer in Center City and the Internal Revenue Service (IRS) that settles the taxpayer’s tax liabilities for less than the full amount owed.

Center City IRS Installment Agreements

For those in Center City who cannot resolve their tax debt through an offer in compromise, an installment agreement can allow a taxpayer to devise a reasonable payment plan option.

IRS Defense