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Michael A. Cibik
also known as Cibik Law, P.C.
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About Michael
Biography
Mike Cibik is certified in both Consumer and Business Bankruptcy Law by the American Bankruptcy Certification Board. He is also Super Lawyers Rated & former Chapter 7 Bankruptcy Trustee. Our Firm, Cibik Law, P.C. has filed well in excess of (15,000) bankruptcies. For the past 40+ years, we continuously have been one of the top law firms who file bankruptcies cases in the State of Pennsylvania
Board Cert. Bankruptcy Attorney. Filed over 15,000 bankruptcy cases and is a former Chapter 7 Bankruptcy Trustee. 2022 Avvo Client's Choice Attorney
Board Cert. Bankruptcy Attorney. Former Chapter 7 Trustee. Super Lawyer Rating. Filed over 15,000 bankruptcy cases. 2022 Avvo Client's Choice Award.
Board Cert. Bankruptcy Attorney. Former Chapter 7 Trustee. Super Lawyer Rating. Filed over 15,000 bankruptcy cases. 2022 Avvo Client's Choice Award.
Board Cert. Bankruptcy Attorney. Former Chapter 7 Trustee. Super Lawyer Rating. Filed over 15,000 bankruptcy cases. 2022 Avvo Client's Choice Award.
Board Cert. Bankruptcy Attorney. Former Chapter 7 Trustee. Super Lawyer Rating. Filed over 15,000 bankruptcy cases. 2022 Avvo Client's Choice Award.
Board Cert. Bankruptcy Attorney. Former Chapter 7 Trustee. Super Lawyer Rating. Filed over 15,000 bankruptcy cases. 2022 Avvo Client's Choice Award.
Board Cert. Bankruptcy Attorney. Former Chapter 7 Trustee. Super Lawyer Rating. Filed over 15,000 bankruptcy cases. 2022 Avvo Client's Choice Award.
Board Cert. Bankruptcy Attorney. Former Chapter 7 Trustee. Super Lawyer Rating. Filed over 15,000 bankruptcy cases. 2022 Avvo Client's Choice Award.
Practice Areas
7
Practice Areas
Chapter 13 Bankruptcy
30%
50 years | 12,000 cases
Chapter 7 Bankruptcy
20%
50 years | 6,000 cases
Bankruptcy and Debt
15%
50 years | 1,500 cases
Chapter 11 Bankruptcy
15%
50 years | 150 cases
Fees and Rates
Cost
Payment Methods
- Cash
- Check
- Credit Card
Awards
2026 2025 2024
...
+
7
Licenses
Licensed in Pennsylvania for 49 years
State: Pennsylvania
Acquired: 1976
No misconduct found
Location
Cibik Law, P.C.
1500 Walnut Street, Suite 900, Philadelphia, PA, 19102
philadelphiabankruptcylawyers.comOnline Presence
Other places you can find Michael online.
Michael A. Cibik's Reviews
Avvo Review Score
123 Client Reviews
Filter Avvo Reviews (123)
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Practice Areas
Bankruptcy & Debt (46)
Chapter 13 Bankruptcy (10)
Lawsuits & Disputes (8)
Debt Settlement (5)
Debt Collection (3)
Tax (2)
Chapter 7 Bankruptcy (1)
Consumer Protection (1)
Contracts & Agreements (1)
Divorce & Separation (1)
Foreclosure (1)
Health Care (1)
Insurance (1)
Litigation (1)
Workers Compensation (1)
What Clients Mention
Case Results (34)
Practice Area Knowledge (31)
Recommendation (28)
Professionalism (25)
General Knowledge (17)
Advocacy (16)
Communication Style (15)
Responsiveness (15)
Staff & Support (10)
Compassion (8)
Trustworthiness (7)
Character & Conduct (4)
Cost of Services (4)
Free Consultations (4)
Payment Plans (2)
Punctuality (1)
Showing 1 - 5 of 10 reviews | Chapter 13 Bankruptcy
Posted by Charlene | February 12, 2026 | Hired Attorney | Chapter 13 Bankruptcy
Professional, Supportive, and With Me Every Step of the Way⭐️
The team was professional, patient and always answered my questions. They guided me through my Chapter 13 from beginning to end and helped make a stressful process manageable. I truly appreciate their support and would recommend them to anyone needing help.
Posted by Aby | October 25, 2024 | Hired Attorney | Chapter 13 Bankruptcy
Bankruptcy Chapter 13
Mr Cibik did great job, helped me lot's with chapter 13 thru past five years.
Posted by Janice | July 07, 2023 | Hired Attorney | Chapter 13 Bankruptcy
So Thankful For Mr. Cibik & Mr. Assad
I can not thank Mr. Michael Cibik, and during this last year his associate Mr. Mike Assad, enough for all the compassion and understanding they have shown me during this very stressful & embarrassing time in my life. They have been with me every step of the way, even during Covid when I had to adjus...
Posted by Scott | September 25, 2017 | Hired Attorney | Chapter 13 Bankruptcy
Excellent bankruptcy lawyers!!
They were able to strip of loans that were way over the value of my home and keep me in it. The whole process was seemless and they always had time to answer and questions. All around great job!!
Posted by K.Charles | February 11, 2017 | Hired Attorney | Chapter 13 Bankruptcy
A man that is very extraordinary in his professional discipline of the law
I was grace to have him handle my chapter 13 case. He listened to me, value what I had to say, he was very culture sensitive, a counselor that put my interest above all else. He's a very humble man.
Michael A. Cibik's Lawyer Endorsements
"Michael and his partner are diligent professionals on behalf of debtors in a practice area marred by hit and run practitioners competing on price alone rather than sound counsel and aggressive advocacy. I have had the pleasure of representing debtors with them on other consumer law claims for their clients too often ignored in plain vanilla representation that doesn't look at all of the debtor's legal issues and claims."
"I endorse this lawyer."
"I endorse this lawyer. Michael Cibik has been practicing in this area for a long time, and knows everything you need him to know. I completely trust him, and have referred clients to him."
"I endorse this lawyer."
"I endorse this lawyer. He is competent, diligent, resourceful, honest, compassionate and articulate."
"I endorse Michael Cibik as an attorney who specializes in bankruptcy."
"I strongly endorse Attorney Michael A. Cibik, Jr. Michael is a great lawyer, advocate and very conscientious. I have known Michael since we went to law school together."
"I endorse this lawyer. He is an excellent and well regarded bankruptcy lawyer."
"I endorse this lawyer. Professional and used by me to refer potential clients for bankruptcy counselling and representation."
"I endorse this lawyer. Mile is a diligent and hardworking attorney. His clients are lucky to have him on their side. I recommend Mike Cibik without reservation or hesitation."
"As I only do Family Law, Mr. Cibik has been a wonderful source of information and assistance in his area of expertise!"
"Mike has a long established and excellent reputation in the Philadelphia legal community."
"I endorse this lawyer. He has decades of experience as a bankruptcy lawyer and gets great results."
"I endorse this lawyer."
"It is my pleasure to fully endorse attorney Cibik."
"I endorse this lawyer. Mike is a well-respected member of the debtor bar in Philadelphia. He is well liked by the community and in Bankruptcy Court. Mike has, at least 20+ years of experience and is recognized as an expert in the field."
"I endorse this lawyer. More experience then any other debtor attorney I know. Intelligent and can analyze a person's debt problems quickly and provide sound advice"
Robert Steinberg
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LeeAne Huggins
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Michael Cataldo
Chapter 13 bankruptcy lawyer
Experience
Honors
2025
Super Lawyer, Super Lawyers
2024
Super Lawyer, Super Lawyers
2023
Super Lawyer, Super Lawyers
2022
Super Lawyer, Super Lawyers
2021
Super Lawyer, Super Lawyers
2020
Distinguished, Martindale-Hubbell
2019
America Bankruptcy Board Certification, 25 Year Pin
2019
Distinguished, Martindale-Hubbell
2018
Distinguished, Martindale-Hubbell
2017
Distinguished, Martindale-Hubbell
2016
Distinguished, Martindale-Hubbell
1993
Business Bankruptcy Law Certification, American Bankruptcy Institute
1992
Consumer Bankruptcy Law Certification, American Bankruptcy Institute
Work Experience
1980 - Present
Attorney, Cibik & Cataldo, P.C.
1986 - 1991
Instructor, Pierce College (Bankruptcy Law)
1984 - 1987
Instructor, Villanova University (Business Law)
1981 - 1986
Chapter 7 Bankruptcy Trustee, Eastern District of Pennsylvania
1981 - 1995
Instructor, Temple University (Business Law)
1981 - 1983
Instructor, Pennsylvania State University (Tax Law)
1966 - 1977
Chemical Engineer, E. I. du Pont de Nemours and Company
Associations
Lawyer Pilots Bar Association
Member
Minor Judiciary Education Board
Member
Pennsylvania State Board of Podiatry
Member
Philadelphia Chamber of Commerce
Member
Union League of Philadelphia
Member
Air Owners and Pilots Association
Member
Federal District Court Historical Society
Member
Building Owners' and Managers' Association
Member
American Arbitration Association
Member
Building Owners' and Managers' Association, Members Committee
Member
National Association of Bankruptcy Trustees, City Policy Committee
Member
American Bar Association
Member
American Trial Lawyers Association
Member
Philadelphia Trial Lawyers Association
Member
Pennsylvania Trial Lawyers Association
Member
Legislative Liason Committee
Member
National Association of Bankruptcy Trustees, City Policy Committee
Member
National Association of Bankruptcy Trustees, Fee Disputes Committee
Member
Aviation Law Committee
Member
American Trial Lawyers Association, Bankruptcy Committee
Member
Philadelphia Bar Association
Member
Pennsylvania Bar Association
Member
Sample of Legal Cases
In Re: Cossmam
Avoided inchoate judicial liens on home with state exemption.
421 CHESTNUT VS ALOIA
Creditor was denied the right to pursue a nondischargeability action
Adamar/Tropicana vs. August
Gambling Debt Discharged
Kasitz v Yelow Book
Obtained sanctions and collected $7,500 for the debtor for the wrongful activity .
Education
1981
Temple University - James E. Beasley School of Law
LL.M - Master of Laws (Tax Law)
1976
Widener University School of Law
JD - Juris Doctor
1972
University of Delaware
M.B.A (Marketing)
1966
Pennsylvania State University, University Park (main campus)
BS - Bachelor of Science (Chemical Engineering)
Speaking Engagements
N/A
Scott Adams Show
Bankruptcy
Publications
N/A
Philadelphia Public Record
Understanding Bankruptcy
Languages
English
Activity
Legal Answers
Legal Guides
Legal Answers
Q&A
How do we split our federal tax return?
30 Mar 2022
Q&A
What happens to the car I am financing in chapter 7 bankruptcy?
19 Mar 2022
Q&A
What is better file bankruptcy or default on a secured loan
02 Mar 2022