The Brown Law Firm — Jerome A. Brown, Board Certified Attorney in Consumer Bankruptcy Law and Business Bankruptcy Law by the Texas Board of Legal Specialization — 40+ Years Legal Experience
A Clear Path Forward
Every financial situation is different. Jerome takes the time to understand yours before recommending a path.
Speak directly with Jerome.
How We Guide You
We'll Represent and Guide You Through the Process Step by Step
Filing bankruptcy or seeking debt relief from creditors can feel overwhelming, but Jerome and his knowledgeable staff will advise and guide you through the process, keeping you informed of the status of your case every step of the way, making your case as simple and worry free as possible. Many times Clients need to file bankruptcy or pursue debt relief due to a catastrophic event in their life, such as divorce, illness or due to job loss. We live in a capitalist society. Bankruptcy provides a financial safety net for relief from catastrophic events, allowing persons and businesses to obtain a fresh financial start. Otherwise, people would be very reluctant to take financial chances that could lead to the loss of everything they had worked so hard for, seriously dampening the entrepreneurial spirit upon which this great Country was built.
To guide you through the process, upon hiring our law firm, every client gets MyGuide, a simple, confidential online space built exclusively for you concerning your case. MyGuide allows you to follow your case in real time, get plain-language help, and stay in touch with our team at every step of the process. It's not just a portal. It's there to make an overwhelming, complicated process manageable. MyGuide provides the following to you:
Case Tracking.
See where your case stands, updated in real time.
Document Guidance.
Complex forms explained in plain language.
Secure Communication.
Stay connected with your team without playing phone tag.
Always Available.
Access the status of your case 24/7 from any device.
Below is an example from MyGuide.
Personal Bankruptcy
Chapter 7: For Individuals and Couples
The automatic stay alone brings immediate debt relief for Clients, stopping creditor harassment and actions after your case is filed.
Chapter 7 is the most common form of personal bankruptcy, and often the fastest path to relief. It lets qualifying individuals with consumer and/or business debts wipe (discharge) most unsecured debt, including credit cards, medical bills, and personal loans, some tax debts and secured debts, for a genuine fresh start. Creditors can no longer pursue you for these debts. The vast majority of individuals do not lose any of their property at all, and are able to retain all of their property, including their home, vehicles, furniture, personal effects and retirement accounts. The process usually runs three to six months from filing to discharge. We strive to make our unique process for preparing and representing you throughout your bankruptcy case as painless, efficient and cost effective as possible. After we prepare documents and file the bankruptcy case on your behalf, an automatic stay (injunction) stops creditor calls, lawsuits, garnishments, and other collection efforts. Whether you qualify depends on your income, the type of debts you have, expenses, and circumstances. The vast majority of individuals are able to qualify for a Chapter 7 bankruptcy. Jerome reviews your situation with you personally before recommending this or another path, because the right answer isn't always the obvious one. He will also quote you a flat fee for handling your case so you know upfront the total amount of what your bankruptcy case will cost you. Easy payment plans are available.
The credit scores of Clients often improve soon after receiving a bankruptcy discharge and there are no debt forgiveness tax consequences for discharging debts in bankruptcy.
Business Bankruptcy
Chapter 7: For Businesses
Immediate protection from creditors upon filing.
When a business organization, such as an LLC, partnership, or corporation can no longer meet its financial obligations, Chapter 7 business bankruptcy provides an orderly, court-protected wind-down of the business. A court-appointed trustee oftentimes liquidates business assets, if any, or assets are distributed to secured creditors, in order to pay creditors. A Chapter 7 bankruptcy filing stops creditor pressure right away. Although Jerome now represents Debtors facing debt issues almost exclusively, he has worked both sides of the bankruptcy process, including representing creditors. That perspective is rare, and it means he knows how creditors think and uses that experience to protect your interests. Whether it is an LLC, partnership, or a corporation, Jerome reviews the specific situation and advises business management of its options so that informed decisions can be made on behalf of the Client.
Oftentimes, legal costs and time handling creditor claims can be greatly reduced through the filing of a business bankruptcy.
Alternative to Bankruptcy
Debt Settlement (Debt Relief)
No bankruptcy filing required.
Bankruptcy isn't the right answer for everyone. Sometimes negotiating directly with creditors to settle a debt is a better option for a Client, instead of filing bankruptcy. Jerome will personally evaluate your circumstances and advise you whether debt settlement makes sense for you. Every case is different, and outcomes depend on the type and amount of debt, how willing the creditor is to settle, and your financial status. However, having Jerome and his experienced staff on your side will help with settling your debts on terms favorable to you.
Debt settlement is a great option for Clients who cannot qualify for filing a bankruptcy case.
Not sure which path is right for you?
That's exactly why we start with a free personal consultation with Jerome and his friendly, knowledgeable staff.
Free Initial Consultation