Bankruptcy is often the most viable option for individuals or small businesses seeking to eliminate or reduce crushing debt, and to achieve a financial fresh start.

Call Us today to Know Your Options and take the first step to achieve Financial Freedom and Peace of Mind.

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.

Bankruptcy 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.

Check out our Firm Overview and Bankruptcy pages to learn more about us and about what we can do for you, and then contact us to schedule an appointment.

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