Years of experience filing cases in U.S. Bankruptcy Courts ensures you are properly represented.
When you hire J. Brian Allen, he is your attorney. You’ll work with him directly not passed from one lawyer to another.
Born and raised in East Texas, Brian Allen combines legal knowledge with compassion for his clients.
Bankruptcy can result from divorce, job loss, medical bills, or overwhelming credit card debt. Ignoring these problems only makes them worse, but with the guidance of J. Brian Allen, you’ll receive a personal review of your situation and honest advice on whether Chapter 7 or Chapter 13 is the right path for you. His years of experience ensure you understand the impact on your financial future, from avoiding foreclosure to regaining stability.
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We stand ready to deliver creative and tailor-made solutions and provide exceptionally high-quality advice in all major practice areas.
Chapter 7 bankruptcy can discharge unsecured debts and help you start fresh. We assess your eligibility, explain exemptions and protect your home and belongings.
If you have regular income but need relief from overwhelming debt, Chapter 13 bankruptcy allows you to restructure your debts into an affordable repayment plan. We negotiate terms that fit your budget while safeguarding your assets.
Before your bankruptcy case can be completed, you’ll need to take two simple credit counseling courses from approved providers. These courses help you better understand your financial situation and prepare for a fresh start.
DebtorCC
Website
or
Abacus via telephone
DebtorEdu
Website
Or
Sage via telephone
In most cases, filing starts an automatic stay that stops most collection actions, including lawsuits, wage garnishments, and phone calls. Some actions may still proceed in limited circumstances. We will review your situation during your free consultation.
Chapter 7 is typically for qualifying individuals who want to discharge unsecured debts. Chapter 13 reorganizes debt into a manageable plan to catch up on past-due amounts. Eligibility depends on your income, assets, and goals. We will help you choose the right path.
Property exemptions can protect certain equity in a homestead and personal property. Many clients keep their home and vehicle if they stay current or use a Chapter 13 plan.
Most Chapter 7 cases take about three to four months from filing to discharge. Chapter 13 plans generally last three to five years. Timing can vary based on your case.
You will attend a brief meeting with the trustee, usually about one month after filing. It is not a formal courtroom hearing. Additional appearances are uncommon unless issues arise.
A bankruptcy will appear on your credit report for a period, but many clients begin rebuilding credit within months by using secured cards and paying all bills on time.
No. One spouse can file alone, but community property and joint debts may affect the strategy. We will review whether a joint or individual filing is better for your household.
Debt doesn’t have to control your life. Whether you’re facing foreclosure, credit card debt, or unsure if bankruptcy is right for you, J. Brian Allen will work with you personally to find the best solution.
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