Center City Philadelphia

When you hire our firm to manage your case, 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. We also 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 Center City Philadelphia for exemplary debt relief legal services and get the financial relief you deserve.

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Our Philadelphia Bankruptcy law firm started in downtown Philadelphia in 2006.  Our sole lawyer at the time had a vision where potential clients can receive a free initial consultation, honest legal opinions and an affordable payment plan for legal services.  Today, the same principles are the backbone of our law firm and is what continues to set us apart.

Though Sadek and Cooper has expanded in size and geographical scope over the years; our Center City Philadelphia office continues to operate as the hub of our growing regional law practice.  Our Philadelphia office is centrally positioned within 3 blocks of the Broad Street Subway, the Market-Frankford Line and the Patco High Speed Line.  For the convenience of our clients who drive into Philadelphia, there is private parking next to our office suite.

Our lawyers have over 50 years of combined experience helping clients get a fresh financial start through our legal services.  Whether our clients’ issues are credit cards, personal loans, mortgage foreclosure or tax foreclosure; our lawyers have the experience and knowledge to guide our clients towards efficient resolutions.  Our attorneys pride themselves on being accessible, sympathetic and zealous advocates for our clients.  We understand that reaching out for help is a big decision, it is our goal to show you that calling Sadek and Cooper was the right choice!

From our downtown Philadelphia law office we practice in the following areas:

Services

Bankruptcy Law

Center City Chapter 13

Chapter 13 bankruptcy is a legal process in Center City 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.

Center City 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 Center City and receive free consultations and reviews of your financial situation to determine a strategy that’s right for you.

Center City Bankruptcy Alternatives

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

Foreclosure Defense

Center City 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.

Center City Pre-Foreclosure Forbearance Plan

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

Center City Short Sale

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

Debt Relief

Center City Debt Settlement

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

Center City 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 Center City work with your creditors to negotiate these payments.

IRS Defense

Center City Offer in Compromise

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

Center City IRS Installment Agreements

For those in Center City 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.

Philadelphia Bankruptcy Service

Our Philadelphia Bankruptcy law firm started in downtown Philadelphia in 2006.  Our sole lawyer at the time had a vision where potential clients can receive a free initial consultation, honest legal opinions and an affordable payment plan for legal services.  Today, the same principles are the backbone of our law firm and is what continues to set us apart.

Though Sadek and Cooper has expanded in size and geographical scope over the years; our Center City Philadelphia office continues to operate as the hub of our growing regional law practice.  Our Philadelphia office is centrally positioned within 3 blocks of the Broad Street Subway, the Market-Frankford Line and the Patco High Speed Line.  For the convenience of our clients who drive into Philadelphia, there is private parking next to our office suite.

Our lawyers have over 50 years of combined experience helping clients get a fresh financial start through our legal services.  Whether our clients’ issues are credit cards, personal loans, mortgage foreclosure or tax foreclosure; our lawyers have the experience and knowledge to guide our clients towards efficient resolutions.  Our attorneys pride themselves on being accessible, sympathetic and zealous advocates for our clients.  We understand that reaching out for help is a big decision, it is our goal to show you that calling Sadek and Cooper was the right choice!

From our downtown Philadelphia law office we practice in the following areas:

Chapter 7 Bankruptcy:

A Chapter 7 Bankruptcy is generally filed for someone who is financially burdened by credit card debt, personal loan debt, medical debt and/or utility bills that have proven to be unaffordable after regular and necessary expenses (rent, mortgage, car, insurances, food, etc.) are paid on a monthly basis.  A Chapter 7 allows a petitioner to receive a fresh financial start and a discharge, meaning the petitioner is no longer financially liable for the debts included in the Chapter 7.

Chapter 13 Bankruptcy:

At the core of Chapter 13 Bankruptcy is the concepts of “affordability” and “time.”  First “affordability,” a Petitioner may file a Chapter 13 Bankruptcy in that after their necessary and reasonable expenses they have some affordability to pay towards their unsecured creditors.  The amount paid monthly in Chapter 13 Bankruptcy is based said affordability and is usually far less than the minimum payments outside the bankruptcy plan. In contrast to a Chapter 7 Bankruptcy the creditors would be paid something on a monthly basis per the affordability of the Petitioner(s).  For this reason, our firm refers to Chapter 13 Bankruptcy as the “greatest compromise for all.”

Secondly, petitioners in Bankruptcy often file Chapter 13 Bankruptcy to obtain our most valuable commodity…”time.”  Like all Chapters in Bankruptcy, the filing of a Chapter 13 Bankruptcy imputes the automatic stay 11 U.S.C. Section 362.  The power of the automatic stay will stop any future mortgage foreclosure, tax foreclosure or repossession of vehicle(s).  In return for stopping the future collection event, through Chapter 13 Bankruptcy, the Petitioner will have the “time” spanning from three to five years to repay the mortgage delinquency, real estate tax delinquency or vehicle arrears through an affordable repayment plan.   Therefore Chapter 13 allows the Petitioner to keep their home or car, while providing time to repay the delinquencies.   Further, like in a Chapter 7 Bankruptcy, through Chapter 13 Bankruptcy, a Petitioner can also obtain a discharge on their debts as well.

Bankruptcy Alternatives
There are alternatives to filing bankruptcy in Center City that can 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 Center City and receive free consultations and reviews of your financial situation to determine a strategy that’s right for you.

Mortgage Foreclosure Defense:

Our firm is experienced in engaging in State Court litigation on behalf of homeowners.  Often times a Sheriff’s Sale can be avoided through negotiation with the Lender or through litigation on the homeowner’s behalf by way of Preliminary Objections, Counterclaims, New Matter or Motions to postpone or set aside upcoming foreclosure sales.  Our firm has helped thousands of Philadelphia area residents remain in their homes and avoid foreclosure.

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.

Pre-Foreclosure Forbearance Plan
Prior to a mortgage foreclosure in Center City taking place, the mortgagee may be open to postponing a sale based on the reinstatement amount being repaid over a short period of time.

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

Debt Settlement
An alternative to declaring bankruptcy, our lawyers in Center City can negotiate with a creditor to settle a debt for less than what is owed. 

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 Center City work with your creditors to negotiate these payments.

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

IRS Installment Agreements
For those in Center City 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.

Family Law:

In addition to our debt relief services our firm handles all areas of Family Law including Divorce, Custody, Support, Adoption, Mediation Services and Protection from Abuse matters.  If you are need of an experienced family law attorney, please do not hesitate to contact our office.

If you are looking for a debt relief attorney in the Philadelphia region, we look forward to providing a free initial consultation with a lawyer to determine the best legal strategy for you

We look forward to helping you!

Work with Our Dedicated and Experienced Bankruptcy Lawyers

The bankruptcy lawyers of Sadek & Cooper are dedicated to providing bankruptcy and non-bankruptcy solutions for people looking to handle their debt problems. We are proud to help hard-working people in Pennsylvania and New Jersey get out of debt and on the path to a fresh financial start. To schedule a free and confidential consultation, call us at 215-545-0008 or contact us online.

The Sadek & Cooper Difference

  • Over 4,000 Satisfied Clients
  • Super Lawyers Listed
  • No More Credit Card Debt
  • Low Flat-Rate Legal Fees
  • Free Initial Consultation
  • Convenient Locations Throughout the Philadelphia Region
  • No More Personal Loan Debt
  • Fast and Accurate Filing
  • Answering ALL your Creditor Calls
  • Save Your Home From Foreclosure
  • No More Medical Bills, Collections, and Other Debts
  • Payment Plans Available
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Find Sadek & Cooper Near You

Center City Philadelphia, PA

Philadelphia Building
1315 Walnut Street, Suite 502
Philadelphia, Pennsylvania 19107-4707
(215) 545-0008
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Northeast Philadelphia, PA

2375 Woodward Street, Suite 105
Philadelphia, Pennsylvania 19115-5119
(215) 545-0009
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Delaware County, PA

Victoria Mills Business Center
1489 Baltimore Pike #218
Springfield, Pennsylvania 19064-3968
(610) 432-3111
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Montgomery County, PA

630 Freedom Business Center Drive, Suite 36
King of Prussia, Pennsylvania 19406-1331
(610) 951-4655
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Bucks County, PA (Levittown)

1609 Woodbourne Road, Suite 203B
Levittown, Pennsylvania 19057-1538
(215) 545-1055
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Bucks County, PA (Trevose)

5 Neshaminy Interplex, Suite 205
Trevose, Pennsylvania 19053-6932
(215) 468-3328
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Mount Laurel, NJ

3000 Atrium Way, #218
Mount Laurel, New Jersey 08054-3924
(856) 343-4068
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Moorestown, NJ

302 North Washington Avenue, Suite 101 West
Moorestown, New Jersey 08057-2448
(856) 343-4068
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Cherry Hill, NJ

One Mall Drive, Suite 415
Cherry Hill, New Jersey 08002-2101
(856) 890-9003
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