How We Help
Clear paths forward
for every situation.
Every financial situation is different. Jerome takes the time to understand yours before recommending a path. Below is a plain look at the main options we handle and how each one works.
Personal Bankruptcy
Chapter 7: Consumer
Chapter 7 is the most common form of personal bankruptcy, and often the fastest path to relief. It lets qualifying individuals wipe out most unsecured debt, including credit cards, medical bills, and personal loans, for a genuine fresh start. The process usually runs three to six months from filing to discharge. After you file, an automatic stay stops creditor calls, lawsuits, garnishments, and other collection efforts. Whether you qualify depends on your income, expenses, and circumstances. Jerome reviews your situation personally before recommending this or any other path, because the right answer isn't always the obvious one.
"The automatic stay alone can bring immediate relief, stopping creditor harassment the moment your case is filed."
Business Bankruptcy
Chapter 7: Business
When a business can no longer meet its obligations, Chapter 7 provides an orderly, court-protected wind-down. A court-appointed trustee liquidates business assets to pay creditors and the entity is dissolved, which stops creditor pressure right away. Jerome has worked both sides of the bankruptcy process, including representing creditors. That perspective is rare, and it means he knows how the other side thinks. When he represents you, he puts that knowledge to work protecting your interests. Sole proprietor, LLC, or corporation, we review your specific situation and lay out every option before anything moves forward.
Alternative to Bankruptcy
Debt Settlement
Bankruptcy isn't the right answer for everyone. Sometimes negotiating directly with creditors to settle a debt for less than the full balance is a better fit, with no formal bankruptcy filing. Jerome will look at your circumstances and tell you honestly whether settlement makes sense for you. Every case is different, and outcomes depend on the type of debt, how willing the creditor is, and where you stand financially.
Debt settlement outcomes vary based on individual circumstances. The Brown Law Firm does not guarantee specific settlement amounts or results.
How We Work
And we'll guide you through all of it.
Bankruptcy comes with a lot of paperwork and a lot of waiting, and it's easy to feel lost in it. Every client gets MyGuide, a simple online space built for people going through this for the first time. Follow your case in real time, get plain-language help with the forms, and stay in touch with our team at every step. It's not just a portal. It's there to make an overwhelming process feel manageable.
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 phone tag.
Always Available
Access your case 24/7 from any device.
Not sure which path is right for you?
That's exactly why we start with a free consultation.