I am very thankful for Michael Cibik through the whole bankruptcy process. Making the decision to file bankruptcy is not an easy task. It can leave a person feeling like a failure financially and asking yourself "what did I do wrong"? When I finally decided to reach out to Michael, I was trying to pa...y all of my creditors, only for them to receive them late and tack on more money, making it impossible to get ahead. Michael reassured me I was doing the right thing. He explained all the steps involved in the bankruptcy process. Along my journey, I discovered, I didn't have a spending problem for myself, I had a helping problem. I was over-helping my children thinking it was my responsibility to help them get ahead. Only to find out, that its okay to help your children somewhat, but not to the point where they are bleeding you dry. Thank you Michael for helping me see that. I would highly recommend Cibik & Caltaldo.

Wana give this place more then 5 stars all the help they gave me and how they help me through it step by step truly amazing service thank you to Nancy Matteis for her help she went above and beyond she's the best and thank you to Mike Assad for his help and to my lawyer Michael Cibik for being a amaz...ing lawyer I strongly recommend this place for your bankruptcy needs