Delaware County Bankruptcy Lawyers

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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.

Delaware County Bankruptcy Lawyers

When you hire our firm to file bankruptcy, stop a foreclosure, or help relieve your debt, you hire a team of legal advocates who care, who will keep you informed, and who will fight for you every step of the way. Your phone calls are promptly returned by our lawyers and professional staff.

We’re available 24/7 to talk about debt relief strategies for 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, and have flexible and affordable payment plans for any client who may need assistance.

Call our experienced lawyers in Delaware County for exemplary debt relief legal services and get the financial relief you deserve.

Delaware County, PA

1489 Baltimore Pike
Suite 218,
Springfield, PA 19064-3968
United States (US)

Philadelphia Bankruptcy Attorney

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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.

Bankruptcy Law

Delaware County Chapter 13

Chapter 13 bankruptcy is a legal process in Delaware County that allows people to repay their debts over time while having the opportunity to keep valuable assets, like a home.

Call our bankruptcy attorneys to receive a free consultation and review of your financial situation and determine a debt reorganization strategy that’s right for you.

philadelphia chapter 7 bankruptcy attorney

Delaware County Chapter 7

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, and more.

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

Delaware County Bankruptcy Alternatives

There are alternatives to filing bankruptcy in Delaware County to 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 Delaware County and receive free consultations and reviews of your financial situation to determine a strategy that’s right for you.

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Foreclosure Defense

Delaware County Mortgage Modification

Oftentimes a hardship such as unemployment, reduction in income, divorce or separation, or unanticipated expenses lead to a 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.

Delaware County Pre-Foreclosure Forbearance Plan

Prior to a mortgage foreclosure in Delaware County taking place, the mortgagee may be open to postponing a sale based on the reinstatement amount being repaid over a short period of time.

Delaware County Pre-Foreclosure Forbearance Plan

A short sale of property is a tool used in Delaware County to stay an imminent mortgage foreclosure. A short sale is where the mortgagor sells the subject property “short” of the mortgage amount.

Mortgage Modification & Foreclosure Defense

Debt Consolidation

Delaware County Debt Settlement

An alternative to declaring bankruptcy, our lawyers in Delaware County can negotiate with a creditor to settle a debt for less than what is owed.

Delaware County Debt Consolidation

Similar to a debt settlement, consolidating your debt involves making a single payment to all your creditors for a reduced amount to what is owed. Our lawyers in Delaware County work with your creditors to negotiate these payments.

Delaware County Student Loan Debt Relief

Our lawyers in Delaware County can assist with curing the student loan defaults through 3 methods: Student Loan Settlement, Student Loan Rehabilitation, and Consolidation and Income Driven Payments (IDR).

IRS Defense

Delaware County Offer in Compromise

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

Delaware County IRS Installment Agreements

For those in Delaware County 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

3 Alternative Options to Filing for Chapter 7 or Chapter 13 Bankruptcy in Delaware County, PA

If you are going through a financial crisis, bankruptcy may indeed prove to be the most practical and efficacious solution. However, filing for bankruptcy may not be necessary if it is possible to resolve the issue by other means. To give you just a few ideas of the possibilities, our Delaware County Chapter 13 bankruptcy attorneys will examine three examples of bankruptcy alternatives for debtors in Pennsylvania:

  1. Mortgage Modification
  2. Pre-Foreclosure Forbearance Plans
  3. Debt Consolidation

Whether you choose to file for bankruptcy or pursue an alternate course of action, your decision will have significant financial repercussions that can continue to shape your future for many years to come.

Before you make any major legal decision, you should always consult with an experienced attorney for personalized guidance that is specific to your circumstances.

What is a Pre-Foreclosure Forbearance Plan?

If you are going through a temporary financial crisis, such as a job loss or temporarily disabling injury that is expected to heal in the future, entering a pre-foreclosure forbearance plan may make more sense than filing for bankruptcy.

In a pre-foreclosure forbearance plan, the mortgagee may agree to temporarily suspend or lower your payments so that you can continue to pay your mortgage. Generally, these plans last for up to six months.

What’s the Difference Between Debt Consolidation and Bankruptcy?

Though bankruptcy can both simplify and reduce the payments you owe to your creditors, it should not be conflated with debt consolidation, which is an entirely different concept.

In debt consolidation, the debtor negotiates with his or her creditors with the goal of combining his or her debts into one monthly payment. When done successfully, this can have the effect of lowering your interest rates, reducing what you pay each month, and ultimately, helping you escape debt more quickly.

As you can imagine, making one monthly payment is much simpler than keeping track of multiple payments, which also makes it easier for debtors to consistently make timely, full payments each month. Debt consolidation may be right for you if you have numerous creditors and high interest rates.

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Delaware County Bankruptcy Attorneys Serving Chester, Drexel Hill, and Upper Darby

Remember: the strategies we have described here represent only a few examples of the numerous non-bankruptcy debt management options that may be available to you as a Delaware County resident.

When you contact Sadek Bankruptcy Law Offices Law Offices for a free consultation, we can review your circumstances and financial goals in detail to make a determination about which strategy is optimal for your situation.

Sadek Bankruptcy Law Offices Law Offices proudly serves all corners of Delaware County, including but not limited to Chester, Drexel Hill, Upper Darby, Yeadon, Broomall, Darby, Lansdowne, Media, Woodlyn, and Collingdale.

If you live in one of these communities, or other communities in Delaware County, our Pennsylvania bankruptcy lawyers may be able to help you get your debt under control. To discuss your options in a free and completely confidential consultation, call Sadek Bankruptcy Law Offices Law Offices at (610)-432-3111 today

Delaware County Bankruptcy Attorney

Service Areas: The Delaware County bankruptcy law office of Sadek Bankruptcy Law Offices Law Offices is located at Victoria Mills Business Center, 1489 Baltimore Pike, Springfield, PA 19064. Our Delaware County office’s bankruptcy representation extends to residents of the following areas.

  • Aldan Borough
  • Aston Township
  • Bethel Township
  • Brookhaven Borough
  • Chadds Ford Township
  • Chester City
  • Chester Heights Borough
  • Chester Township
  • Clifton Heights Borough
  • Collingdale Borough
  • Colwyn Borough
  • Concord Township
  • Darby Borough
  • Darby Township
  • East Lansdowne Borough
  • Eddystone Borough
  • Edgmont Township
  • Folcroft Borough
  • Glenolden Borough
  • Haverford Township
  • Landsdowne Borough
  • Lower Chichester
  • Marcus Hook Borough
  • Marple Township
  • Media Borough


From Philadelphia:

  1. Take I-95 S toward Chester/Phila
  2. International Airport.
  3. Take exit 7 to merge onto I-476 N.
  4. Take exit 3 toward Swarthmore.
  5. Merge onto E Baltimore Pike.
  6. At the first traffic light (just before the Springfield Mall) turn right onto Wallingford Road.
  7. Bear right at the fork in the road.
  8. The Mills of Victoria is on the right.
  9. The Victoria Business Center is in building #200 on the first floor.

From Springfield Area:

  1. Go west on Baltimore Pike toward Media.
  2. As you come past the Springfield Mall, stay in the right lane to take the jug handle in front to Macy’s.
  3. Turn left at Wallingford Road traffic light.
  4. Cross the Baltimore Pike and bear right at the fork in the road.
  5. The Victoria Business Center at The Mills of Victoria is at the bottom of the hill on the right.
  6. The Victoria Business Center is in Building #200 on the first floor.

From Media Area:

  1. Go east on Baltimore Pike past the Blue Route.
  2. At the first traffic light (just before the Springfield Mall, turn right onto Wallingford Road.
  3. Bear right at the fork in the road.
  4. The Mills of Victoria is at the bottom of the hill on the right.
  5. The Victoria Business Center is in Building #200 on the first floor.
Philadelphia Bankruptcy Attorney

Work with Our Dedicated and Experienced Bankruptcy Lawyers

Sadek Bankruptcy Law Offices, LLC has a dedicated team of lawyers who help clients achieve the benefits of bankruptcy in Pennsylvania and New Jersey. Our lawyers have over 75 years of combined experience and have filed more than 5,000 successful bankruptcy cases.