Chandler Law Firm - Brown & Associates
Financial relief from bankruptcy has been a part of our economy since the beginning of time. The purpose of bankruptcy is to obtain a fresh start or a reset if you will on your financial burdens relieving the everyday pressures of creditor calls and their harassing letters, lawsuits and possible judgments, garnishments and bank account levies.
Our job is to help you understand the bankruptcy process and determine if bankruptcy is the best financial decision for you at this time. You will always receive a free initial consultation with a bankruptcy attorney who can analyze your financial situation, explain bankruptcy to you and determine what is the best course of action for your financial success. Once it has been determined that bankruptcy is the best option for you, our firm will assist you throughout the entire bankruptcy process from the pre-filing preparations to a successful discharge of your debts. Immediately, you will feel less stressed about your financial burdens.
We’ve also had great success with clients whom are self-employed, are small business owners or own several real estate properties. These clients tend to have significant or complex assets and obviously would have never been able to foresee the economic downturn that has taken place in our country. We can help.
CHAPTER 7 BANKRUPTCY
Each case is different which is why it is so important to have an initial free consultation with a bankruptcy attorney to determine which chapter best suits your needs. In most cases, however, we find that Chapter 7 bankruptcy is the best and simplest solution to resolving your debts. Chapter 7 bankruptcy will discharge all of your debts and allows you to keep certain exempt assets. In order to qualify for this chapter of bankruptcy you must first pass the income requirements mandated by law. This is done via a Means Test. Chapter 7 can be a great fresh start on your way to economic recovery.
CHAPTER 13 BANKRUPTCY
A Chapter 13 bankruptcy is usually used by those who either do not pass the Means Test due to their income or have additional non-exempt assets that they would lose in a Chapter 7 bankruptcy. In a Chapter 13 bankruptcy we are able to tackle bigger financial burdens such a tax debt, foreclosures, and business debts. A plan is created specifically based on your income, expenses, assets, debts and ability to pay each month. These plan payments are managed by your bankruptcy trustee for a period lasting no more than 5 years. Chapter 13 bankruptcy is a great tool for those who have more complex income and assets but still need to seek financial relief.
David Brown has over 20 years of wide-ranging experience providing legal representation in real estate matters, including extensive experience in residential loan issues that spans more than 18 years. He has more than 10 years of experience representing lenders and investors in foreclosure proceedings and as creditor representative in bankruptcy.
David’s foreclosure and creditor representation experience has been supplemented by several years providing legal advice to purchasers and sellers in residential real estate transactions. In resolving the complex legal issues he confronted practicing in both of these areas, David developed a comprehensive understanding of the loans that are at the core of the current housing crisis.
He has spent the past few years giving distressed homeowners advice about their options. His extensive experience in both loan origination and lender representation issues and his thorough knowledge of the programs available to assist borrowers allows him to take a uniquely-informed approach to the negotiation of loan modifications and short sales on behalf of borrowers. He also advises homeowners about the bankruptcy option and provides bankruptcy representation.
2450 South Gilbert Road
Chandler, AZ 85286
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