Alexander SumnerDebt can feel impossible to manage when you’re trying to save your home or stop nonstop creditor calls.
The best bankruptcy lawyer in Philadelphia can make the process feel less confusing and help you understand which chapter fits your situation.
So for this list, I focused on debt-relief law firms that explain the process clearly and know the local bankruptcy court system.
If you need another kind of legal help later, we also have resources on the top criminal defense lawyers and estate lawyers in the area.
How much does it cost to hire a bankruptcy lawyer in Philadelphia?
Hiring a bankruptcy lawyer in Philadelphia typically costs $1,000 to $3,000 for a Chapter 7 liquidation and $3,500 to $6,000 for a Chapter 13 repayment plan. Smaller court and counseling fees are usually separate.
| Bankruptcy Fee Category | Cost Range |
| Chapter 7 Attorney Fees | $995 – $1,850 |
| Chapter 13 Attorney Fees | $3,500 – $6,000 |
| Court Filing Fees | $313 – $338 |
| Credit Counseling Courses | $30 – $50 |
1. Sadek Bankruptcy Law Offices
Website: sadeklaw.com
Address: 1500 John F. Kennedy (JFK) Boulevard, Suite 220
Contact: (215) 545-0008
Hours: Available 24/7
Sadek Bankruptcy Law Offices puts a licensed attorney on your first call instead of an intake assistant, so a fresh start feels less scary from the very beginning.
They also answer creditor calls around the clock, which can be a huge relief if collection harassment is wearing you down.
On top of that, their free consultation setup, flat-rate fees, and $200 starting deposit make the process feel more realistic for people already juggling debt.
What I liked most is the same-day emergency filing option, which is genuinely valuable when foreclosure is imminent.
The trade-off is that their free case evaluation excludes business cases, so small business owners may need to pay before getting strategy advice. The firm also runs a high-volume operation, which may feel less personal if you want a boutique setup.
Patient and kind legal representation
Going through bankruptcy is overwhelming, but my attorneys made all the difference. They were patient, kind, and always took the time to explain things in a way I could understand. I never felt rushed or dismissed. Thanks to their hard work and dedication, I now have a fresh start and a sense of relief I didn’t think was possible. I couldn’t have asked for better representation.
Jessica Rodriguez | Google Reviews
Knowledgeable, professional, and compassionate attorney
Brad is so amazing, down to earth and very professional and has passion for every client. After filing bankruptcy with another attorney, I found that attorney to be dishonest. After speaking with the office of Brad Sadek, I was upset at myself because why didn’t I find him in the beginning. He offers payment that was able to fit my budget and explained everything that I needed answered.
Anonymous Anonymous | Google Reviews
2. The Law Offices of David M. Offen
Website: getfreeofbills.com
Address: 601 Walnut Street, Suite 160 West
Contact: (215) 278-4519
Hours: Monday to Thursday, 9:00 AM – 7:00 PM; Friday, 9:00 AM – 5:00 PM
The Law Offices of David M. Offen gives you a seasoned guide who has cleared millions in debt since 1995.
Their flexible setup includes zero-down options and free credit rebuilding help once your bankruptcy wraps up.
When I called to check the appointment schedule, their team was patient and explained the evening options without rushing me.
I also appreciate that they talk through alternatives, including mortgage forbearance, when bankruptcy may not be the best move.
Just keep in mind that their work is focused on consumer bankruptcy, so they’re not the right fit for major Chapter 11 corporate reorganizations.
Chapter 13 repayment plans also remain subject to federal debt caps, which can limit options for clients with very high liabilities.
Outstanding and attentive bankruptcy attorney
If you are looking for an outstanding attorney who will work into the very late hours of the night, for YOU, in an effort to give you a fresh financial start, David Offen is the person you should call. My first consultation with David Offen happened when I wasn’t sure if bankruptcy was the right choice for my family. He listened attentively, asking questions, answering mine, explaining various options.
Lynette Sutton | Google Reviews
Amazing and caring legal support
I have used David twice and he is beyond amazing. He helped me file bankruptcy years ago while I was going through a divorce. He explained everything along the way and always put my mind ease. He is currently helping me with another case since my father had passed. He is not your average lawyer. He actually cares about you as a person.
Tom S | Google Reviews
3. Cibik Law, P.C.
Website: philadelphiabankruptcylawyers.com
Address: 1500 Walnut St, Suite 900
Contact: (215) 608-5483 | [email protected]
Hours: Monday to Friday, 9:00 AM – 7:00 PM; Saturday, By Appointment; Line available 24/7
Cibik Law, P.C. is led by Michael A. Cibik, a certified consumer bankruptcy specialist with more than 40 years of experience and over 18,000 cases filed.
The firm represents individuals and small business owners, not banks or finance companies, so the advice stays centered on debtors.
What really won me over is that debtor focus, which keeps the whole conversation on your side of the table.
The firm also offers a judgment-free space to talk through your options.
The catch is convenience. The firm doesn’t run initial case analyses by phone, so you will need to plan for an in-person Center City visit. The weekday hours are fairly rigid, too, which can be tough if your work schedule is tight.
Highly knowledgeable bankruptcy expert
Just spoke with this man. He is a wealth of knowledge and tells you how it is. Much respect. If you need a great bankruptcy attorney, call this man. This man knows what he’s doing and will not steer you wrong. I would recommend 100%!
Eggheadgolf | Google Reviews
Valuable legal advice and care
Mr. Cibik and his team worked hard to contact me as I’ve been very disorganized lately and I missed several appointments to speak with him. Once we spoke I managed to acquire valuable legal advice and never felt rushed. You can hear in his voice he is genuinely concerned with explaining legal matters in a way that you can understand it.
Joshua Doe | Google Reviews
4. Dunne Law Offices, P.C.
Website: thephiladelphiabankruptcyattorney.com
Address: 1515 Market Street, Suite 1200
Contact: (215) 551-7109
Hours: Monday to Friday, 8:30 AM – 5:30 PM
Dunne Law Offices, P.C. is led by Stephen Dunne, a former military infantryman who also provides pro bono help to local seniors and veterans.
The firm handles bankruptcy paperwork while also addressing credit report errors and illegal collector harassment, so the support feels broader than a single filing.
Plus, they run six different regional locations to make meetings incredibly convenient for local families.
One thing to weigh is that the practice feels very founder-centered. When caseloads are heavy, Stephen Dunne’s direct availability may be limited. His credentials are also Pennsylvania-focused, so clients across the river in New Jersey need another option.
Dedicated guidance through Chapter 7
I could not thank Mr. Dunne enough for guiding me through the process of Chapter 7 Bankruptcy. When I truly thought that I had my back against the wall, Mr. Dunne was always there for advice and he helped me get out of debt completely. I couldn’t be more thankful for his services and his firm.
Thomas Coffey | Google Reviews
Professional, communicative, and supportive attorney
Stephen Dunne was truly the best to work with during my bankruptcy process. From start to finish, he communicated with me every step of the way and made sure I understood exactly what to expect. He is extremely knowledgeable and confident in what he does, which made me feel at ease throughout the entire experience.
alyssa canton | Google Reviews
5. Law Offices of Michael A. Latzes
Website: philadelphiabankruptcylawyer.net
Address: 1528 Walnut Street, Suite 710
Contact: (215) 695-4171
Hours: Monday to Thursday, 9:00 AM – 7:00 PM; Friday, 9:00 AM – 5:00 PM; Line available 24/7
Backed by four decades of experience, the Law Offices of Michael A. Latzes offers round-the-clock text and phone access, plus flexible payment structures that ease the upfront pressure.
A client I spoke with said that during a quick initial case assessment, Michael’s no-nonsense style made the next steps for a repayment plan feel clear instead of overwhelming.
It’s reassuring that his advice still came across with empathy, which matters when the court process already feels intimidating.
The main limitation is capacity. Because this is a solo practitioner setup, communication can slow down during heavier caseloads. The practice also focuses mainly on consumer matters rather than corporate restructuring.
Compassionate and helpful legal counseling
Michael was my bankruptcy attorney he is an amazing attorney. Mr. Latzes made me feel at ease throughout the whole process. When my license was getting suspended because of a judgment against me, Michael gave me great counseling on how to handle this matter. He even took a payment plan, which made my life a little easier.
Mrs. Graham | Google Reviews
Thoughtful and thorough bankruptcy representation
I can’t say enough wonderful things about Michael. From my initial consultation throughout my entire bankruptcy he was very compassionate, thoughtful, and thorough. I definitely recommend connecting Michael to handle your bankruptcy. You will be in great hands.
Alison Brown | Google Reviews
