I am Brian Allen. I ask all of my clients to call me Brian and not Mr. Allen. I treat my clients who are called Debtors the way I want to be treated. Title 11 of the United States Code is the United States Bankruptcy Code (the Code). Section 101 is called Definitions, and states, “in this title - the following definitions apply: Subection (13) The term “debtor” means person … which a case under this title has been commenced.” In other words, a debtor is a person who has filed a bankruptcy case. There are three main types of bankruptcy cases that debtors file. The first type is a Chapter 7, which is a Fresh Start bankruptcy, and most of the debtors’ debts are discharged, eliminated, wiped out. Chapter 11 is sometimes used by debtors who owe a substantial amount of money or do not need to file a Chapter 7 or the next type, a Chapter 13. A Chapter 13 Reorganization is filed to stop foreclosure on a debtor’s home and to stop repossession of a debtor’s automobile. A Chapter 13 Reoganization Plan is filed to give debtors 36-60 months to get back on their feet.

I have been specially designated by Congress as a Debt Relief Agency. I also help people to eliminate debt or reorganize their debt by filing for relief under the bankruptcy code. I am proud to tell anyone about my law practice which has been limited exclusively to representing debtors in United States Bankruptcy Courts 6 years, and I have helped thousands of people. I am a member of the National Association of Consumer Bankruptcy Attorneys (NACBA).