Opening a mostly empty wallet


If you are overwhelmed with debt you cannot pay back, your home, car, and savings can all be at stake. You may have to declare bankruptcy.

Though the bankruptcy process can be stressful, you don't have to go through it alone. Adam C. Brown Esq. LLC is here to help.

Our Middlesex County, NJ, bankruptcy attorney can fight for you in and out of court so that you can finally find equilibrium.

Facing a Bankruptcy? Our Firm Offers Free Consultations

The financial burden of a bankruptcy case can be high. Our Middlesex County, NJ, bankruptcy attorney can help address your concerns in a complimentary bankruptcy law consultation.

What Is a Bankruptcy?


A bankruptcy occurs when you owe creditors but you cannot repay them. This legal process can clear your debts, though it is not without drawbacks. Our Middlesex County law firm focuses on two types of bankruptcy cases: Chapter 7 bankruptcy and Chapter 13 bankruptcy.

Chapter 7 and Chapter 13 Bankruptcy: What's the Difference?

Chapter 7 Bankruptcy

Chapter 7 bankruptcy, the quickest and most used method, essentially collects and liquidates your available assets to pay off unsecured debts. Married persons can file for Chapter 7 bankruptcy either as a couple or as individuals.

Who Can File for Chapter 7 Bankruptcy?

Individuals, partnerships, and corporations are eligible to file for Chapter 7 bankruptcy.

Pros & Cons of Chapter 7 Bankruptcy

Of these two types of bankruptcies, Chapter 7 bankruptcy is faster. The entire process takes about six months. If you need to pause collections, Chapter 7 enables an automatic stay, which prevents communications from creditors about those debts.

A Chapter 7 bankruptcy will remain on your credit report for up to 10 years.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy involves debt reorganization. A repayment plan is created in which the debtor agrees to pay at least some debts within three to five years. If the repayment plan is followed, remaining debts are eliminated even if not paid in full.

Who Can File for Chapter 13 Bankruptcy?

Individuals and businesses that are classified as sole proprietorships may file Chapter 13 bankruptcy.

Pros & Cons of Chapter 13 Bankruptcy

Once you have completed all payments over the agreed-upon repayment time, the courts will discharge all relevant, applicable debts that you have left. As long as you are not delinquent on payments, you technically do not have to pay back creditors in full.

A Chapter 13 bankruptcy will remain on your credit report for up to seven years.

Almost 400,000 Americans filed for bankruptcy in 2021 alone
Though you may feel isolated or stressed while filing for bankruptcy and referencing applicable laws, you're not alone. According to the Administrative Office of the U.S. Courts, 399,269 Americans filed for bankruptcy in 2021. During the bankruptcy process, our New Jersey bankruptcy lawyer can give you the support that you need to begin a new chapter in life.

"Above and beyond." Hear Why New Jersey Clients Trust Our Bankruptcy Lawyer


Magaly Guzman


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Mr. Adam’s professionalism and Genuine desired to help and to support...was OUTSTANDING AND AWSOME!!! He has the passion and knowledge to make it a smooth process. We did it!!! I recommend him and his team

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Errol Hundley


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I highly recommend Adam C.Brown if you are having any kind of trouble. He is without a doubt the BEST person to represent you with any legal trouble you are having. He was a big help and went above and beyond to help me. I couldn’t of ask for a better lawyer.

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How Can an Attorney Help With My Bankruptcy?

Attorney Adam C. Brown can assist you along every step of the way of your bankruptcy case, such as:

Exploring Different Types of Bankruptcy

Answering Bankruptcy Law Questions

Helping You File for Bankruptcy

Representing You in Court

Determining a Repayment Plan

Choose a Bankruptcy Lawyer With In-Depth Knowledge of the Law

Bankruptcy attorney Adam C. Brown understands the nuances of the law when it comes to bankruptcy cases. Before he began his career as an attorney, he completed an internship at a private tax firm. He learned numerous intricacies on finances and taxation that he may be able to use in your favor.

Mr. Brown has also benefited from guidance from mentors from the U.S. House of Representatives, as well as the New Jersey Superior Court.

Our firm can give you stability, resources, and peace of mind as you navigate the often-confusing world of bankruptcy law.

To begin, contact our Middlesex County, NJ, law office or call:

(973) 281-2388

Attorney Adam C. Brown
Chapter 7 or Chapter 13? Bankruptcy law can be confusing. Adam C. Brown is a New Jersey lawyer who can guide you.

Important Factors to Remember As You're Applying for Bankruptcy

In order to successfully file for Chapter 13 or Chapter 7 bankruptcy, you must meet certain requirements. Mr. Brown, your bankruptcy attorney, can explain the requirements and guidelines in detail at his Middlesex County, NJ, office. They include:

Credit Counseling

Credit counseling is required by bankruptcy law. You must complete your course for full eligibility.

Honest Filing

Your bankruptcy filing can be denied if there is any evidence of fraud. Make sure your filing is accurate.

Staying Consistent

In Chapter 13 bankruptcy, all payments must be made. Missing a payment will be detrimental to your financial future.

"Adam is an amazing lawyer to work with." Reviews From Our Middlesex County, NJ, Law Clients


Crystal King


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Mr. Brown did a remarkable job handling my case. His confidence, professionalism, honesty and knowledge on our first call put me at ease. I always felt as though he was on top of any new developments and most importantly, I felt like he genuinely wanted me to have the best possible outcome. His associate was knowledgeable and professional and always had an answer to my questions. I highly recommend this firm.

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Kystal Panotorilla


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Adam is an amazing lawyer to work with. He is very responsive and on top of things. He was very patient and understanding of my situation, he listened to what I wanted to do and I really like how honest he was with regards to my expectations. I would definitely recommend his services. Thank you so much Adam for helping me get through this process and I really appreciate everything you have done for me and my kids.

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If I Declare Bankruptcy Do I Still Have to Lose My Home?

The answer to this question depends on which type of bankruptcy you choose.

Chapter 7

Unfortunately, in New Jersey, while Chapter 7 bankruptcy can buy you more time before your home is foreclosed upon, it may only delay the eventual foreclosure.

Along with other assets, you will have to give up your home when you and your bankruptcy attorney file for Chapter 7.

Still, it gives you a valuable chance to make other arrangements — and stay in your home for longer.

Chapter 13

With a Chapter 13 bankruptcy, you will likely be able to keep your home, provided you make every payment on time.

After a Chapter 13 bankruptcy is filed, your bank must take additional steps to be able to foreclose.

If they decide to do so, they will likely file for a motion for relief from stay. Your bankruptcy lawyer, Mr. Brown, can help you if this happens. 

Can I Buy a Home Again After Going Through Bankruptcy?

The answer is yes, but not immediately.

Declaring bankruptcy and going through a foreclosure can give you a fresh slate, though it's not without drawbacks.

After Chapter 7, you may have to wait two to four years before qualifying for a loan. A Chapter 13, on the other hand, typically means you'll have to wait a little longer: about four years after your debt has been dismissed (this is after you have spent years repaying creditors).

Adam C. Brown Esq. LLC

Adam C. Brown Esq. LLC

Adam C. Brown Esq. LLC is a dynamic regional law firm practicing family and criminal law throughout the state of New Jersey. Our professional affiliations include:

  • New Jersey State Bar
  • Garden State Bar Association
  • Hudson County Bar Association

You can request a consultation online or by calling (973) 281-2388.

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317 George Street
Suite 320
New Brunswick, NJ 08901

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