Michael A. Cibik

Michael A. Cibik is a highly experienced bankruptcy attorney and Cibik Law, P.C. founder and managing partner in Philadelphia. For over two decades, he has focused exclusively on consumer bankruptcy law, helping individuals and families throughout the greater Philadelphia area navigate financial distress. He is board-certified by the American Board of Certification as a consumer bankruptcy specialist, holding this credential for 23 consecutive years—a distinction achieved by only a select group of attorneys nationwide.

Cibik earned his B.S. in Chemical Engineering from Pennsylvania State University. He later obtained his J.D. from Widener University Delaware Law School, an MBA from the University of Delaware, and an LL.M. from Temple University Beasley School of Law.

Cibik’s legal practice is devoted to assisting clients with Chapter 7, Chapter 11, and Chapter 13 bankruptcy filings. His knowledge of bankruptcy law and decades of experience allow him to offer clear legal guidance and sound strategies tailored to each client’s situation. He is admitted to practice before all Pennsylvania state and federal courts, the U.S. Tax Court, and Pennsylvania’s appellate and Supreme Courts.

Throughout his career, Cibik has been recognized for his professional excellence. He has been named a Super Lawyer from 2021 to 2025 and holds a Distinguished rating from Martindale-Hubbell. He maintains a 10.0 rating on Avvo and was recognized by Lawyers of Distinction and the American Registry as one of America’s Most Honored Lawyers.

In addition to managing his law firm, Cibik contributes a regular bankruptcy law column to the Philadelphia Public Record, speaks at legal events, and has taught at several colleges and institutions. He is a member of the Philadelphia Bar Association, Pennsylvania Bar Association, American Bankruptcy Institute, and National Association of Consumer Bankruptcy Attorneys. He also previously served as a Chapter 7 Bankruptcy Trustee.

Michael A. Cibik continues to serve as a trusted advocate for individuals seeking a fresh financial start through bankruptcy relief.

Law Office Affiliations

• Founder, Cibik Law, P.C.

Licensed State

• Pennsylvania

Education

• Temple University Beasley School of Law
  Master of Laws (LLM)
• Widener University – Delaware Law School
  Juris Doctor (JD)
• University of Delaware
  MBA in Marketing
• Pennsylvania State University
  BA in Chemical Engineering

Awards & Badges