Delaware County Bankruptcy Lawyers

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 Delaware County for exemplary debt relief legal services and get the financial relief you deserve.

Here at Sadek & Cooper Law Offices, our mission is to assist individuals who may be considering bankruptcy as an option. Our Delaware County bankruptcy lawyer help clients move toward long-term financial stability. The attorneys at Sadek & Cooper Law Offices work closely with you to ensure that you are receiving detailed, high-quality and thorough legal counsel.

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Services

Bankruptcy Law

Delaware County Chapter 13

Chapter 13 bankruptcy is a legal process in Delaware County 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.

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

Delaware County Bankruptcy Alternatives

There are alternatives to filing bankruptcy in Delaware County to 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 {{location}} and receive free consultations and reviews of your financial situation to determine a strategy that’s right for you.

Foreclosure Defense

Delaware County 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.

Delaware County Pre-Foreclosure Forbearance Plan

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

Delaware County Short Sale

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

Debt Relief

Delaware County Debt Settlement

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

Delaware County 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 Delaware County work with your creditors to negotiate these payments.

IRS Defense

Delaware County Offer in Compromise

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

Delaware County IRS Installment Agreements

For those in Delaware County 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.

You can expect the following services when working with our Delaware County bankruptcy lawyers:

  • Over 4000 Satisfied Clients
  • Phone calls answered 24/7
  • Answering ALL your Creditor Calls
  • Super Lawyers Listed
  • Free Initial Consultation
  • Saving your home from foreclosure
  • No More Credit Card Debt
  • No More Personal Loan Debt
  • No More Medical Bills, Collections and other debts!
  • Low Flat-Rate legal fees
  • Fast and Accurate Filing
  • Payment Plans Available

If you’re a Delaware County resident who’s been struggling to keep up with credit card bills, medical bills, mortgage payments, or other expenses, you may have thought about filing for bankruptcy.  However, while bankruptcy can be a useful strategy for managing debt, it isn’t always the best solution for every situation.  Depending on your circumstances, it might make more sense to explore an alternative to bankruptcy, such as a mortgage modification, debt consolidation, or a pre-foreclosure forbearance plan.  When you contact our Delaware County Chapter 7 lawyers for your free bankruptcy consultation, we can discuss which financial strategy is right for your situation.

3 Alternative Options to Filing for Chapter 7 or Chapter 13 Bankruptcy in Delaware County, PA

If you are going through a financial crisis, bankruptcy may indeed prove to be the most practical and efficacious solution.  However, filing for bankruptcy may not be necessary if it is possible to resolve the issue by other means.  To give you just a few ideas of the possibilities, our Delaware County Chapter 13 bankruptcy attorneys will examine three examples of bankruptcy alternatives for debtors in Pennsylvania:

  1. Mortgage Modification
  2. Pre-Foreclosure Forbearance Plans
  3. Debt Consolidation

Whether you choose to file for bankruptcy or pursue an alternate course of action, your decision will have significant financial repercussions that can continue to shape your future for many years to come.  Before you make any major legal decision, you should always consult with an experienced attorney for personalized guidance that is specific to your circumstances.

How Does a Mortgage Modification Work?

Are missed mortgage payments the main reason you have been thinking about filing for bankruptcy?  If so, mortgage modification may be a more appropriate strategy.

Like the name suggests, a mortgage modification is a restructuring of your current mortgage.  The purpose of a mortgage modification is to make your payments more manageable by reducing what you owe each month.  Depending on your financial circumstances, the mortgagee (lender) may consent to significant changes, such as:

  • Changing a variable interest rate to a fixed interest rate.
  • Forgiving part of your principal balance.
  • Lowering your interest rate.

The mortgage modification process in Pennsylvania typically takes anywhere from three to eight months to complete successfully.  The eligibility criteria for mortgage modifications vary from servicer to servicer, but our Pennsylvania bankruptcy attorneys can help you determine whether you qualify.  Your attorney will also be able to handle your mortgage modification paperwork, answer your legal questions, and protect your best interests as a homeowner.

What is a Pre-Foreclosure Forbearance Plan?

If you are going through a temporary financial crisis, such as a job loss or temporarily disabling injury that is expected to heal in the future, entering a pre-foreclosure forbearance plan may make more sense than filing for bankruptcy.  In a pre-foreclosure forbearance plan, the mortgagee may agree to temporarily suspend or lower your payments so that you can continue to pay your mortgage.  Generally, these plans last for up to six months.

What’s the Difference Between Debt Consolidation and Bankruptcy?

Though bankruptcy can both simplify and reduce the payments you owe to your creditors, it should not be conflated with debt consolidation, which is an entirely different concept.

In debt consolidation, the debtor negotiates with his or her creditors with the goal of combining his or her debts into one monthly payment.  When done successfully, this can have the effect of lowering your interest rates, reducing what you pay each month, and ultimately, helping you escape debt more quickly.  As you can imagine, making one monthly payment is much simpler than keeping track of multiple payments, which also makes it easier for debtors to consistently make timely, full payments each month.  Debt consolidation may be right for you if you have numerous creditors and high interest rates.

Delaware County Bankruptcy Attorneys Serving Chester, Drexel Hill, and Upper Darby

Remember: the strategies we have described here represent only a few examples of the numerous non-bankruptcy debt management options that may be available to you as a Delaware County resident.  When you contact Sadek & Cooper Law Offices for a free consultation, we can review your circumstances and financial goals in detail to make a determination about which strategy is optimal for your situation.

Sadek & Cooper Law Offices proudly serves all corners of Delaware County, including but not limited to Chester, Drexel Hill, Upper Darby, Yeadon, Broomall, Darby, Lansdowne, Media, Woodlyn, and Collingdale.  If you live in one of these communities, or other communities in Delaware County, our Pennsylvania bankruptcy lawyers may be able to help you get your debt under control.  To discuss your options in a free and completely confidential consultation, call Sadek & Cooper Law Offices at (610)-432-3111 today

Delaware County Bankruptcy Attorney

Service Areas: The Delaware County bankruptcy law office of Sadek & Cooper Law Offices is located at Victoria Mills Business Center, 1489 Baltimore Pike,  Springfield, PA 19064. Our Delaware County office’s bankruptcy representation extends to residents of the following areas.

  • Aldan Borough
  • Aston Township
  • Bethel Township
  • Brookhaven Borough
  • Chadds Ford Township
  • Chester City
  • Chester Heights Borough
  • Chester Township
  • Clifton Heights Borough
  • Collingdale Borough
  • Colwyn Borough
  • Concord Township
  • Darby Borough
  • Darby Township
  • East Lansdowne Borough
  • Eddystone Borough
  • Edgmont Township
  • Folcroft Borough
  • Glenolden Borough
  • Haverford Township
  • Landsdowne Borough
  • Lower Chichester
  • Marcus Hook Borough
  • Marple Township
  • Media Borough
  • Middletown Township
  • Media Borough
  • Middletown Township
  • Millbourne Borough
  • Morton Borough
  • Nether Providence
  • Newtown Township
  • Norwood Borough
  • Parkside Borough
  • Prospect Park Borough
  • Radnor Township
  • Ridley Park Borough
  • Ridley Township
  • Rose Valley Borough
  • Rutledge Borough
  • Sharon Hill Borough
  • Springfield Township
  • Swarthmore Borough
  • Thornbury Township
  • Tinicum Township
  • Trainer Borough
  • Upland Borough
  • Upper Chichester Township
  • Upper Darby Township
  • Upper Providence Township
  • Yeadon Borough


To schedule a free and confidential consultation with a bankruptcy lawyer regarding your legal matter please call our Delaware County bankruptcy law office at (610)-432-3111. For the convenience of our clients, Sadek & Cooper Law Offices schedules evening and weekend appointments upon request.

Directions

From Philadelphia:
Take I-95 S toward Chester/Phila International Airport.
Take exit 7 to merge onto I-476 N.
Take exit 3 toward Swarthmore.
Merge onto E Baltimore Pike.
At the first traffic light (just before the Springfield Mall) turn right onto Wallingford Road.
Bear right at the fork in the road.
The Mills of Victoria is on the right.
The Victoria Business Center is in building #200 on the first floor.

From Springfield Area:
Go west on Baltimore Pike toward Media.
As you come past the Springfield Mall, stay in the right lane to take the jug handle in front to Macy’s.
Turn left at Wallingford Road traffic light.
Cross the Baltimore Pike and bear right at the fork in the road.
The Victoria Business Center at The Mills of Victoria is at the bottom of the hill on the right.
The Victoria Business Center is in Building #200 on the first floor.

From Media Area:
Go east on Baltimore Pike past the Blue Route.
At the first traffic light (just before the Springfield Mall, turn right onto Wallingford Road.
Bear right at the fork in the road.
The Mills of Victoria is at the bottom of the hill on the right.
The Victoria Business Center is in Building #200 on the first floor.

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 (610)-432-3111 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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Our Reviews

  • review rating 5  Brad Sadek at Sadek and Cooper Law is AMAZING and gives excellent customer service. 10 years ago he personally guided me through chapter 7 and let me enter into a payment plan until I had enough to file. Within 2 years my credit score was back up and during my 3 year I was able to buy a beautiful. Unfortunately, I'm going through a divorce and I had to come back to him to file a chapter 13 to save my home from foreclosure but Brad even as the owner of this big law firm met with me personally to discuss my case and give my options and again was so willing to work with me until I had the money to file. Today I called the office for a random question and thought one of the other lawyers that work for him would call me back but nope it was Brad and took time to listen and answer my questions. He truly cares about all of his clients no matter what there status or income. If you are considering bankruptcy; please come talk to Brad I know he will listen and give you good sound legal advice . He saved my life twice. Thank you Brad and all of your wonderful staff at Sadek Law.

    thumb Andrea
    1/23/2020

    review rating 5  I highly recommend Sadek And Cooper Law Offices. When I first met Brad Sadek I was very nervous and stressed about talking about my bankruptcy situation but Brad Sadek made me feel relaxed and explained everything to me in detail. After the initial consultation I met with Matthew Lazarus and he was wonderful and further explained my chapter 13 bankruptcy case. I cannot say enough good things about them. They answered all my phone calls and emails the same day. They are professional, knowledgeable, understanding and caring. Needless to say I never thought I would have to file for bankruptcy and the thought of it was so overwhelming and stressful but Brad and Matthew made the whole process stress free. if you need a bankruptcy lawyer I definitely recommend Sadek and Cooper, don't even think of going anywhere else. I just want to say thank you to them and to everyone at Sadek and Cooper Law offices. They are the best!!!!! THANK YOU!!!!

    thumb Frank Percaccia
    1/20/2020

    review rating 5  It's not enough words to put this in how amazed , appreciative and grateful to have Mr. Sadek help me through my bankruptcy. When i first contacted Mr. Sadek i was nervous and didn't know what to expect he eased a lot of my worries and i left his office feeling like a load had been lifted. Mr. Sadek is very professional, caring, understanding and supportive also Matt one of the other attorney and Karen . Everyone in this office is absolutely amazing. I must say i wouldn't recommend anyone else if it wasn't Mr. Sadek and his firm. If you want the best look no further.

    thumb Patricia Southerland
    2/09/2020
  • review rating 5  I had the opportunity to work with Brad Sadek who did a fantastic job for me on an issue I desperately needed help with immediately. He was very professional, trustworthy and provided me with my options going forward. I would recommend the Sadek and Cooper Law Offices to anyone who is going through a bankruptcy for their expertise and compassion when dealing with one of the most upsetting place you may find yourself to be in. They can help you with respect so you can maintain your dignity. You will not regret choosing this law firm.

    thumb Jean Tyrell
    12/13/2019

    review rating 5  The caring and kind nature of the team at Sadek & Cooper definitely made a very hard situation smooth and simple. My questions were answered sometimes more than once and my anxieties eased as they reassured me as long as I provided documentation everything was being handled by their office. And it was and I am happy I selected this office. Thank you!!

    thumb Serena Morris
    12/04/2019

    review rating 5  The attorneys at Sadek and Cooper are some of the most diligent I've ever met. Their first priority is taking care of their clients and seeing their cases through. Their staff is very friendly and compassionate to everyone who walks in the door. I highly recommend them!

    thumb Jon Frey
    2/19/2020

This website is for informational purposes only and is general in nature. This website does not create an attorney client relationship under attorney rules of ethics. An attorney client relationship is created with Sadek and Cooper Law Offices only after a meeting and the signing of an attorney client engagement agreement. We encourage you to seek legal counsel regarding your particular situation.

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Contact Us

1489 Baltimore Pike #218
Springfield, Pennsylvania 19064-3968

(610) 432-3111