David M. Brady was born and raised in San Francisco where he obtained an undergraduate degree in sociology from the University of San Francisco.  He then attended the University of San Francisco school of Law (Kendrick Hall) and graduated with a capture Doctorate in 1976.



At the Law Office of Cowan & Brady, our practice is dedicated exclusively to helping our clients develop and carry out the best solutions for their particular debt problems, including Chapter 13 & Chapter 7 bankruptcy petitions.



We conveniently serve clients in the Redding & Chico area as well as Glenn, Tehama, Trinity, Siskiyou, Lassen, Plumas counties and all of Northern California.


Bdreamstime_s_27725178-300x199ankruptcy is not the right choice for everyone who has more debt than can be paid on time, and there are negative consequences that may outweigh the benefits. Sometimes, a settlement or workout with creditors is best for both the debtors and the creditors. Often, however, bankruptcy is the only real solution. There are also several different types of bankruptcy, and each of our clients deserves and gets personal attention to determine what will work best for that client. We know that each case is different, and one size does not fit all.

Our creditor clients also learn what they can do to maximize their recovery when bankruptcy is filed or threatened by someone who owes them money, and that skillful assistance from us can often result in money for them that they thought totally uncollectible. We help them obtain relief from the automatic stay that blocked their right to foreclose on real property, repossess collateral, file claims or object to the discharge of debts obtained through fraud or the entire discharge in the rare case when debtors have hidden significant assets from the trustee. We also help trustees find assets for the benefit of the creditors.

Law Office of Cowan & Brady  also represents bankruptcy trustees, who are appointed by the bankruptcy court to manage the bankruptcy “estate,” which consists of the assets and claims that are owned by the debtor when the case is filed. We help the trustees obtain money for the bankruptcy estate from people or businesses who owed the bankruptcy debtor money and assist the trustees in selling property in the bankruptcy estate to get money to pay to the creditors.


Ask an expert
Thank You! Dennis, David & staff you all are more than just experts at bankruptcies. Your personal sensitivity and seasoned professionalism to what was a very unfortunate situation for us, made the ordeal more than bearable. Thanks for making our tough time easier then it could have been
The process was surprisingly easier than we expected because of the experience & organization that both Dennis & David applied to our case. Thank you again for everything you did to help us get back on track with a fresh start!