The 10 Most Common Reasons People File for Bankruptcy

https://ift.tt/eA8V8J

Bankruptcy is nothing to be ashamed of. Many people find themselves on the brink of bankruptcy through no fault of their own. Bankruptcy can affect any person regardless of age, race, education level, and background. You are not alone – many people have been in your shoes and gotten a fresh start. Here are the top 10 reasons why people file for bankruptcy.

Job Loss

When a person loses their job unexpectedly, they take on additional expenses that they didn’t have to worry about before. Even with a comfortable savings account or hefty severance package, unemployment makes things like healthcare and emergency expenses, such as car troubles, even more pricey.

Income Shortage

Even if a person doesn’t lose their job, companies are always looking to cut back on unnecessary expenses. This could mean significant pay decreases and loss of bonuses at the drop of a hat. Employees may resort to dipping into savings accounts or credit cards to make ends meet, but these safety nets can only supplement one’s lifestyle for so long before they are in over their heads.

Overspending

Poor budgeting, a lack of financial discipline, and spending money that someone doesn’t have, especially on credit cards with high-interest rates, are easy ways to accumulate crippling debt that is difficult to recover from.

Foreclosure

To avoid foreclosing on their homes, many Americans have no choice but to file for bankruptcy. When a person has to choose between losing their house or going bankrupt, the choice becomes clear, even if it’s not ideal. Financial burdens are stressful enough without the threat of having your house taken from you.

Utility Costs

Keeping a home warm in the winter and cool in the summer is not cheap. Whether a person rents or owns their home, the expenses that come with heating, air conditioning, and electricity often complicate a person’s finances.

Divorce

Marital separations are one of the leading causes of personal bankruptcy. Divorce can create tremendous financial burdens on both parties, even if the divorce is agreed upon. Between legal fees, dividing assets, child support, alimony, providing for two households instead of one, and any debt that one might become responsible for through their spouse, it’s no wonder why divorce is one of the top reasons people file for bankruptcy.

Unexpected Expenses

Sometimes, life just happens. When it hits you hard, you may not be as prepared as you think you are. Whether someone’s property is burglarized, their car suddenly has complications, or a natural disaster hits their home, unfortunate events happen every day that could suddenly cost a person thousands of dollars.

Credit Debt

Credit cards and personal loans may seem like quick fixes for piling bills and unforeseen expenses, but they prove to be slippery slopes for many Americans. Uncontrolled credit card spending, car installments, and other personal loans are quick avenues into debt that are difficult to recover from. Even if one’s credit card debt isn’t a result of a lack of self-control, but rather from unfortunate circumstances like a job termination, falling too far behind on minimum monthly payments is a sure-fire way to file for bankruptcy. Likewise, home-equity loans can sometimes help keep creditors at bay, however, if these payments go unpaid, they could result in having to foreclose on one’s home.

Student Loans

It’s estimated that 1 percent of all US bankruptcies, or about 15,000 a year, are a result of student debt. While it’s certainly common for people to have some student loan debt in their name even years after graduating, failing to pay it off as quickly as possible can have serious consequences on your financial well-being.

Medical Expenses

Even if a person has great health insurance, a serious illness or injury can easily leave them with a bill totaling hundreds of thousands of dollars in bills. An unexpected diagnosis is the fastest way to clean out retirement, college, and savings accounts and still leave collectors searching for more. The result? Unavoidable bankruptcy.

If you have found yourself in over your head in debt caused by life’s unfortunate circumstances, you are not alone. The trusted bankruptcy lawyers at Cibik & Cataldo have been providing superior, cost-efficient, and value-oriented bankruptcy legal services for over 35 years. Proudly serving the Philadelphia and surrounding areas, our legal team is committed to helping you make well-informed decisions on all of your bankruptcy matters. Contact us today to regain your financial freedom as quickly as possible!

The post The 10 Most Common Reasons People File for Bankruptcy appeared first on Cibik & Cataldo.

from Cibik & Cataldo https://ift.tt/39xA2Mo

Cibik & Cataldo
1500 Walnut Street Suite 900
Philadelphia, PA 19102
(215) 735-1060
https://ift.tt/2J37Vuo

Understanding the Repossession Laws in Pennsylvania

https://ift.tt/eA8V8J

Here at Cibik & Cataldo, we want our clients and those who need answers to their questions, to understand, in layman’s terms, what is going on in their lives. That’s why we work diligently to make what can be quite confusing as understandable as possible. The laws concerning repossession are exceptionally complicated in some cases. Don’t worry! We’re here to help you navigate through this difficult time. 

PA Laws Concerning Creditors and Repossession

If you owe money to a bank, finance enterprise, or a creditor, the credit entity likely has a security interest in some of your property. This security interest is called collateral.

Creditors’ Rights Involving Repossession

A creditor can repossess the personal property (collateral) if he or she does so peacefully. If a creditor arrives at your door to repossess your car, refrigerator, or any other item you have purchased on credit, you have the right to deny him or her access to the property. If a creditor attempts to come into your home or onto your yard, you have the right to tell the creditor he or she cannot do so. However, a lender does not need the owner’s permission to repossess a car that is parked on a public street outside of someone’s home.

If you have restricted the creditor from coming onto your home or yard to repossess the property, the creditor will be obliged to go to court and attempt to get the property back. This action will accrue more costs for the defendant (the party receiving the complaint). The plaintiff is the person bringing the charge against the party who is delinquent in paying.

Unless the defendant has signed a written security agreement that clarifies that repossession will occur if he or she does not pay, legal assistance must take place. If the creditor breaks any of these laws, the defendant has the right to sue the creditor in court.

Is a Warning that Property is in Danger of Being Repossessed Required?

Typically, no warning is necessary before repossession. There are, however, two situations that do require notice before repossession:

Non-Vehicle Personal Property

If you borrowed money to purchase personal property that is not a vehicle (i.e., furniture, outdoor equipment), the creditor must give you a 21-day notice before your property removed. This action provides buyers a chance to catch up with back payments.

Mobile Homes

A written 30-day notice from the creditor must appear before the creditor can repossess your mobile home. This notice gives buyers a chance to catch up with past payments. To further prevent repossession, the buyer must:

  • Pay “back-payments.”
  • Pay late charges
  • Pay up to $50 for the creditor’s attorney fees
  • Acquire insurance for the home (if the contract requires doing so)
  • After 30 days, the buyer may have to pay court costs and attorney’s fees

Let’s Talk about Debt

Since we just mentioned the “written security agreement,” this is an excellent time to discuss the types of debt we see most often.

Unsecured Debt

This type of debt has no assets supporting the debt. It usually occurs in the areas of:

  • Medical bills
  • Credit Cards
  • Old apartment leases, and more

Chapter 7 Cases

If you choose to take care of your debt by filing a Chapter 7 bankruptcy agreement, the trustee will gather and sell the debtor’s nonexempt assets and use the money to pay creditors. There is more to this choice that we are happy to assist you with by calling our office for a free consultation.

Chapter 13 Cases

This type of bankruptcy move is known as a “wage earner’s plan.” It allows an individual with a regular income to create a plan for repaying all or part of the debts. This step is also quite complicated, and you will need assistance to follow all the “legalese.”

Secured Debts

Secured debts that occur most often are for vehicles and houses. In these cases, the buyers put up some form of collateral. During the bankruptcy process, the automatic stay will keep creditors from taking the property. After the bankruptcy, you will have to reaffirm the debt to keep your house or vehicle. If you do not, the bank has the authority to keep your property.

No Discharge Debts

These debts include:

  • Student loans
  • Debts obtained fraudulently
  • Child support debts
  • Financial obligations related to a criminal case
  • Some types of IRS debts fall into this category

We want to share with you all we know about repossession. Still, in practically every case, a knowledgeable and experienced attorney will need to be by your side as you navigate what can become something of a maze. 

Tips for Avoiding Repossession

As upsetting as repossession can be, it gives you a chance to reassess how you spend your money and how to stay out of debt. This action can be accomplished by:

  1. Doing all you can to avoid getting in over your head financially
  2. Determining that you make enough each month, even if your salary decreases somewhat, to handle the payments on your vehicle or house
  3. Paying attention to the interest rate on your loan
  4. Letting the creditor know if or when you hit a rocky place with your budget (Creditors are humans. He or she may find a way to give you an extension of time for payment or possibly refinance the entire loan.)
  5. Remember, you will also need enough income to keep up maintenance and repair costs that you must pay regularly.

Contact Cibik & Cataldo

If you are facing foreclosure, bankruptcy, or repossession,  Michael A. Cibik and Michael A. Cataldohave filed over 20,000 personal bankruptcy documents during their 35 of practicing law. When you are looking for legal help in the bankruptcy arena, Cibik & Cataldo offer compassionate and respectful guidance to assist you with what may seem to be problems with no solutions.

If you need assistance and you live in and around Philadelphia, contact the law offices of Cibik and Cataldo today for a free consultation. It’s time to find your way back to financial freedom.

The post Understanding the Repossession Laws in Pennsylvania appeared first on Cibik & Cataldo.

from Cibik & Cataldo https://ift.tt/2THlSnb

Cibik & Cataldo
1500 Walnut Street Suite 900
Philadelphia, PA 19102
(215) 735-1060
https://ift.tt/2J37Vuo

Should You Reaffirm Your Mortgage When Filing for Bankruptcy?

https://ift.tt/eA8V8J

If you choose to file for bankruptcy under Chapter 7 of the U.S. Bankruptcy Code, one option you may be urged to consider is signing a “reaffirmation” of your obligation to make mortgage payments. You should not make that decision without the advice of your attorney.

Each year, about three-quarters of a million Americans, file under Chapter 7 seeking a fresh financial start and relief from creditor demands. Therefore, it is worth understanding “reaffirmation.” It is an agreement that you can sign—if you choose to do so–during a bankruptcy proceeding. In the reaffirmation, you agree: 

  1. That you realize that a successful bankruptcy “discharge” will free you from the obligation to make payments on your home mortgage, and
  2. That you hereby “reaffirm” your legal obligation to make those payments.

On the face of it, that seems a silly thing to do.  If you win bankruptcy relief from your obligation to make your mortgage payments, why turn right around and “reaffirm” that obligation?  Well, your creditor (the bank or other lending institution holding your mortgage) would like you to do so. But why should you agree?

Choosing Chapter 7

Some background on Chapter 7 may help to clarify the context in which the “reaffirmation” option arises.

Broadly speaking, Chapter 7 is one of two ways that personal bankruptcy works. Under Chapter 7, you liquidate “all” your remaining assets—but with some “exemptions” or exceptions—to pay as much as possible of what you owe your creditors. Under Chapter 13 of the Bankruptcy Code, you set up an agreed repayment plan, “scheduling” your debt payments to be manageable over time given your expected income.

Almost 70 percent of consumer bankruptcy petitions (or filings) in the federal courts are under Chapter 7. The other 30 percent are under Chapter 13. The overwhelming majority of both types of filings are categorized as “non-business; that is, they mainly involve consumer debt.

The apparent preference of consumers for Chapter 7 may be explained by the speed of the debt relief. You can obtain such relief much more quickly under Chapter 7. By contrast, a Chapter 13 repayment plan can last up to five years.

(By the way, you probably have heard, as well, of Chapter 11 filings.  Corporations, partnerships, and sole proprietorships that desire to remain in business, avoiding liquidation while they go through “reorganization,” often choose Chapter 11.)

If you do consider a Chapter 7 bankruptcy filing, you should be aware that your petition is not automatically accepted for action by the court. There are certain qualifications that you, the debtor, must meet. Also, you are required to have a trustee assigned to your case; pay various court charges; and provide financial statements such as income-and-expense reports, copies of tax returns, and a list of all property—among other things.

It is imperative to have the assistance of a qualified lawyer as soon as you start considering the possibility of filing for bankruptcy. By the time you actually make a court filing (if that turns out to be your choice), you will have taken many preliminary steps with your lawyer’s advice.

If you are asked to sign a “reaffirmation”

If you are a homeowner filing Chapter 7 (or a husband and wife filing jointly), and “all” your assets are turned over to be liquidated to pay some part of what you owe, your home is not included. It is exempt.

Furthermore, if the court “discharges” you (your filing is successful), you have no obligation to make any more payments on your mortgage.

Does that sound too good to be true? It is. When you arranged for your mortgage with the bank, you entered into not one but two agreements. You signed a promissory note that you would make the scheduled payments on the mortgage loan (home loan). And you agreed to a “lien” on your home, which became the bank’s security in case you defaulted on your payments on the promissory note.

With your successful bankruptcy, the promissory note, per the court, no longer binds you. But the lien is not canceled. Therefore, if you no longer make payments on the mortgage loan, the bank will have recourse to selling your home to pay the mortgage loan.

It often is said that filing under Chapter 13 can “enable you to keep your home.” That means only that if your debt payments are stretched out in a five-year repayment plan, you might thereby be able to make payments to the bank and keep your home.

But under Chapter 7, you also can keep your home. You can keep it if you make your mortgage payments. In order to make those payments, you certainly do not have to sign the “reaffirmation” of your promissory note. You just keep making the payments, when due, but you are not legally obligated to do so. You are doing so because wish to keep your home.

That is why many attorneys wonder why people would want to sign a “reaffirmation.” They can keep making payments on their home if they are able. In addition, they seem to have a definite advantage under one scenario.

If the bank does end up selling your home, and if the sale does not yield all the money required to pay your entire mortgage, the bank would like you to make up the difference. If you and your bank have entered into the “reaffirmation” agreement, then the bank has a legal basis for this: You reaffirmed your promissory note.

If you did not sign the reaffirmation, the bank has no basis for collecting from you the balance of the mortgage not covered by the sale of your home.

This means–to repeat what we said at the outset–there is at least one obvious reason to refuse to sign a reaffirmation. And, finally, be aware that acceptance of your reaffirmation agreement by the court is not automatic. Most judges will ask some tough questions about why you are reaffirming. And some judges don’t sign reaffirmations at all because you don’t need one to keep making your mortgage loan payments.

A reaffirmation is a decision, like many you will face if you elect Chapter 7, to be made only after discussion with your attorney. And, by the way, a reaffirmation, if you decide to make one, can be approved by the judge only at the time you make your court filing. It cannot be approved when your bankruptcy is discharged. Therefore, an affirmation is one of many issues you and your lawyer must discuss as early as possible.

Cibik & Cataldo Can Help

As Philadelphia bankruptcy lawyers, Cibik & Cataldo, P.C. has 35 years of experience providing legal services to thousands of clients in the Philadephia area. We have done so with a strong value orientation and with compassion and respect for clients. Michael A. Cibik, Esq. and Michael A. Cataldo, Esq. are both certified by the American Bankruptcy Certification Board, which means that you have an objective standard of excellence and reliability when you make your choice of legal counsel in financial and bankruptcy matters.

Check back here regularly for information, insights, and updates on all legal aspects of financial and bankruptcy matters.

The post Should You Reaffirm Your Mortgage When Filing for Bankruptcy? appeared first on Cibik & Cataldo.

from Cibik & Cataldo https://ift.tt/2MJGeIn

Cibik & Cataldo
1500 Walnut Street Suite 900
Philadelphia, PA 19102
(215) 735-1060
https://ift.tt/2J37Vuo

Can filing for bankruptcy take my social security away?

https://ift.tt/eA8V8J

A major concern for filing bankruptcy is whether your social security funds can be taken from you.  The good news is that social security benefits are exempt and therefore protected in bankruptcy.

 

This means you can continue to receive ongoing payments as well as payments you received prior to filing for bankruptcy if your social security benefits are in their own account.  If your social security funds are mixed with other funds, you will have to prove that the money came from social security and not from another source, which can be difficult.

 

Before moving money around, it is best to talk to a lawyer to determine the best steps should take and what type of bankruptcy you should file for.

Michael A. Cibik, Esquire

Michael A. Cibik is a partner at the Philadelphia law firm of Cibik & Cataldo, P.C. He is one of the few bankruptcy attorneys in the Philadelphia area certified by the American Bankruptcy Board.

If you or someone you know is having financial problems, stop worrying and call Michael at (215) 735-1060 for a free consultation.

The post Can filing for bankruptcy take my social security away? appeared first on Cibik & Cataldo.

from Cibik & Cataldo https://ift.tt/34dRkvR

Cibik & Cataldo
1500 Walnut Street Suite 900
Philadelphia, PA 19102
(215) 735-1060
https://ift.tt/2J37Vuo

Will filing bankruptcy eliminate tax debts?

https://ift.tt/eA8V8J

Once you file for bankruptcy, the automatic stay will go into effect. This means that creditors, including the IRS, cannot continue to collect money from you.  After the bankruptcy, the IRS can resume collection unless the debt has been paid in full or discharged.

 

Some tax debt can be discharged in bankruptcy. You can discharge wage-related income taxes that were due at least three years ago if you filed the related tax returns at least two years ago and the IRS assessment was at least 20 months ago. If you committed fraud or tried to evade paying your taxes, or if you did not file a return, filed late, or the IRS filed a substitute return for you, your taxes may not be eligible for discharge.

 

If your tax debt cannot be discharged, a chapter 13 bankruptcy plan can help you pay it back over time. Even if you can’t get out of your tax debt, bankruptcy can help you get it under control and behind you.

Michael A. Cibik, Esquire

Michael A. Cibik is a partner at the Philadelphia bankruptcy law firm of Cibik & Cataldo, P.C. He is one of the few bankruptcy attorneys in the Philadelphia area certified by the American Bankruptcy Board.

If you or someone you know is having financial problems, stop worrying and call Michael at (215) 735-1060 for a free consultation.

The post Will filing bankruptcy eliminate tax debts? appeared first on Philadelphia Bankruptcy Lawyers.

from Philadelphia Bankruptcy Lawyers https://ift.tt/35hzqbJ

Cibik & Cataldo
1500 Walnut Street Suite 900
Philadelphia, PA 19102
(215) 735-1060
https://ift.tt/2J37Vuo

Should I file a bankruptcy to delay my foreclosure?

https://ift.tt/eA8V8J

If you fall behind on your mortgage payments, you may be at risk for foreclosure. If you are facing foreclosure, bankruptcy may help. Once you file either a Chapter 7 or Chapter 13 bankruptcy, the court will issue an automatic stay. This causes creditors to cease collection from you immediately.

 

By filing a Chapter 7 bankruptcy, you can buy yourself some time because the sale will be legally postponed due to the automatic stay. However, after a few months, the lender will file a motion to lift the automatic stay. At that point, the sale will go forward and you will lose your home.

 

If you would like to keep your home, then filing a Chapter 13 bankruptcy is a better option. This allows you to pay off the late unpaid payments over a repayment plan, however, you will need enough money to make your current mortgage payment as well as the payment plan amount. If you make all payments throughout the payment plan, you can avoid foreclosure and keep your home.

 

Ultimately, bankruptcy can delay and even stop foreclosure on your home.

The post Should I file a bankruptcy to delay my foreclosure? appeared first on Philadelphia Bankruptcy Lawyers.

from Philadelphia Bankruptcy Lawyers https://ift.tt/2NF0nQu

Cibik & Cataldo
1500 Walnut Street Suite 900
Philadelphia, PA 19102
(215) 735-1060
https://ift.tt/2J37Vuo

Can I sue someone who has filed for bankruptcy?

https://ift.tt/eA8V8J

Bankruptcy’s automatic stay stops most lawsuits once the bankruptcy is filed. Typically, you will not be able to file a lawsuit if it relates to certain debts which include: personal loans, credit card balances, medical bills, utility bills, unpaid rent, unpaid car payments, home foreclosures or accidental personal injury cases.

 

There are some instances where the lawsuit can continue despite a bankruptcy being filed. For example, filing bankruptcy will not stop a criminal case. Divorce and custody cases are not directly affected by the filing of a bankruptcy. If the person filing for bankruptcy caused a death or injury while intoxicated, the lawsuit against them can usually continue. Also, lawsuits, where debts arise after the filing of bankruptcy, can continue. Meaning if the debtor causes an accident one month after filing bankruptcy and damages your car, you can file a lawsuit against them.

 

For matters arising before the bankruptcy was filed, you may be able to petition the bankruptcy court for relief from the automatic stay so that your lawsuit may continue. Whether the court would grant your request depends on the circumstances.

Michael A. Cibik, Esquire

Michael A. Cibik is a partner at the Philadelphia law firm of Cibik & Cataldo, P.C. He is one of the few bankruptcy attorneys in the Philadelphia area certified by the American Bankruptcy Board.

If you or someone you know is having financial problems, stop worrying and call Michael at (215) 735-1060 for a free consultation.

The post Can I sue someone who has filed for bankruptcy? appeared first on Philadelphia Bankruptcy Lawyers.

from Philadelphia Bankruptcy Lawyers https://ift.tt/32j8MNH

Cibik & Cataldo
1500 Walnut Street Suite 900
Philadelphia, PA 19102
(215) 735-1060
https://ift.tt/2J37Vuo

Do both spouses have to file for bankruptcy?

https://ift.tt/eA8V8J

Married couples can file together in a joint bankruptcy that combines both spouses’ debts and property into the same case. The overall goal is to discharge your debt and keep more of your property. In most cases, filing together will allow you to accomplish this.

When only one spouse files, the spouse who does not file becomes responsible for their own debts as well as any joint debts. To the contrary, if a spouse has a lot of individual debts that are not shared, filing alone may be more beneficial.

After review of your property both individual and joint, your attorney will be able to determine the most effective way for you to file. By filing a joint bankruptcy, you can save money on court and attorney fees because it usually costs the same as filing one case.

Michael A. Cibik, Esquire

Michael A. Cibik is a partner at the Philadelphia law firm of Cibik & Cataldo, P.C. He is one of the few bankruptcy attorneys in the Philadelphia area certified by the American Bankruptcy Board.

If you or someone you know is having financial problems, stop worrying and call Michael at (215) 735-1060 for a free consultation.

The post Do both spouses have to file for bankruptcy? appeared first on Philadelphia Bankruptcy Lawyers.

from Philadelphia Bankruptcy Lawyers https://ift.tt/2BKGIYW

Cibik & Cataldo
1500 Walnut Street Suite 900
Philadelphia, PA 19102
(215) 735-1060
https://ift.tt/2J37Vuo

Can I give a creditor preference in a bankruptcy?

https://ift.tt/eA8V8J

In bankruptcy, the priority that creditors receive is determined by the type of debt. The first party to be paid is the United States Bankruptcy court who charges fees for filing. Next to be paid is secured creditors, or creditors who hold a lien on property that is in possession of the debtor. Examples of this would are mortgages on homes and unpaid balances on cars.
After that, unsecured creditors are paid. There is no property involved that these creditors may repossess. Of unsecured debts, the first of these debts to be paid is domestic support, which includes alimony and child support, certain tax obligations, and injury or death caused by an intoxicated motor vehicle accident. Other examples of unsecured debts include credit card debt, medical bills, and personal loans. Student loans are also considered unsecured debts, however, they cannot be discharged unless you can prove that it would be an undue hardship to pay them – which is extremely difficult to prove.
Following that, the next group of creditors to be paid are the costs of administration in the bankruptcy case, including the trustee’s fees, clerk’s fees, and the attorney’s fees. It is important to note that creditors do not get paid automatically. They must submit a proof of claim to the court in which they indicate a claim’s priority status. The trustee or the court-appointed individual who oversees the case reviews all of the submitted claims and will distribute the funds to the creditors by priority. If money remains after that, the trustee will then pay claims that do not have priority.

The post Can I give a creditor preference in a bankruptcy? appeared first on Philadelphia Bankruptcy Lawyers.

from Philadelphia Bankruptcy Lawyers https://ift.tt/35GladG

Cibik & Cataldo
1500 Walnut Street Suite 900
Philadelphia, PA 19102
(215) 735-1060
https://ift.tt/2J37Vuo

What is a Chapter 11(v) Bankruptcy?

https://ift.tt/eA8V8J

In the new year, businesses in debt will have new options to help keep the doors open and get debt relief. Last month, President Trump signed a bi-partisan bill into law that amends Chapter 11 of the bankruptcy code to allow businesses with less than $2.7 million in debt to file a special reorganization plan, which will be known as a Chapter 11(V). Until now, a business’s only option was to file either a regular Chapter 11, which can be costly, or file a more affordable Chapter 7, which requires them to close up shop.
A Chapter 11(V) is a more affordable solution because the bankruptcy estate is administered by a standing trustee, similar to a consumer Chapter 13 case. Additionally, there is no creditors’ committee, which makes the case less complex. The new law takes effect in February 2020.

Michael A. Cibik, Esquire

Michael A. Cibik is a partner at the Philadelphia law firm of Cibik & Cataldo, P.C. He is one of the few bankruptcy attorneys in the Philadelphia area certified by the American Bankruptcy Board.

If you or someone you know is having financial problems, stop worrying and call Michael at (215) 735-1060 for a free consultation.

The post What is a Chapter 11(v) Bankruptcy? appeared first on Philadelphia Bankruptcy Lawyers.

from Philadelphia Bankruptcy Lawyers https://ift.tt/2Iz9uQ4

Cibik & Cataldo
1500 Walnut Street Suite 900
Philadelphia, PA 19102
(215) 735-1060
https://ift.tt/2J37Vuo

Create your website at WordPress.com
Get started