Our Oklahoma bankruptcy lawyers can help you get a fresh financial start. If you're having a difficult time paying your debt we can help. If you're constantly being harassed by creditors an Bankruptcy may be the answer for you and your family. Married couples can file a bankruptcy either together or individually. This means that if you're married and your spouse doesn't want to file they don't have to.
The bankruptcy wont impact them at all. Some common misconceptions about bankruptcy are that you cant discharge credit cards or medical bills. Many people also think that they'll lose their home or car. Although certain restrictions do apply, filing bankruptcy doesn't mean that you'll lose all of your property. Bankruptcy protection is a federal program that allows you to file either a chapter 7 bankruptcy or a chapter 13 bankruptcy.
Bankruptcy is a Federal Program designed to reduce or eliminate most if not all of your debt. Many cases end in a fresh financial start. Each year thousands of cases are filed and the vast majority of them are successful.
The bankruptcy wont impact them at all. Some common misconceptions about bankruptcy are that you cant discharge credit cards or medical bills. Many people also think that they'll lose their home or car. Although certain restrictions do apply, filing bankruptcy doesn't mean that you'll lose all of your property. Bankruptcy protection is a federal program that allows you to file either a chapter 7 bankruptcy or a chapter 13 bankruptcy.
Bankruptcy is a Federal Program designed to reduce or eliminate most if not all of your debt. Many cases end in a fresh financial start. Each year thousands of cases are filed and the vast majority of them are successful.
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Help is on the way and this help is just around the corner.
Unlike a Chapter 13 bankruptcy which requires you to make payments on your debt, a chapter 7 totally forgives the debt.
Many people worry about losing their house, car or other possessions.
They don't have to worry because in most cases your property is protected.
In chapter 7 bankruptcy most of your property is exempt from creditors.
Exempt assets continue in your possession.
Those exempt assets include your home, most of your personal belongings and any retirement accounts in your name.
Unlike a Chapter 13 bankruptcy which requires you to make payments on your debt, a chapter 7 totally forgives the debt.
Many people worry about losing their house, car or other possessions.
They don't have to worry because in most cases your property is protected.
In chapter 7 bankruptcy most of your property is exempt from creditors.
Exempt assets continue in your possession.
Those exempt assets include your home, most of your personal belongings and any retirement accounts in your name.
Our Oklahoma Chapter 13 Bankruptcy lawyer can help you with your debt problems.
Chapter 13 allows individuals who have steady incomes to reorganize and get rid of certain debts.
The debt you owe is paid off under the protection and administration of the court.
Generally, people who file a chapter 13 do so because their income is to high to qualify for a chapter 7. Another reason may be that they are behind on their mortgage and facing a foreclosure.
Regardless of your reason chapter 13 can be a great option for certain people with debt.
Chapter 13 allows individuals who have steady incomes to reorganize and get rid of certain debts.
The debt you owe is paid off under the protection and administration of the court.
Generally, people who file a chapter 13 do so because their income is to high to qualify for a chapter 7. Another reason may be that they are behind on their mortgage and facing a foreclosure.
Regardless of your reason chapter 13 can be a great option for certain people with debt.
Qualifying for an Oklahoma bankruptcy isn't that difficult.
Sometimes people will fight to pay bills because they think that filing bankruptcy is difficult.
They also worry about the rules and if they qualify.
Each year thousands of Oklahoman's file bankruptcy and get the protection they need.
The key to bankruptcy is understanding that you're not alone and that qualifying isn't that hard.
Once you file and the case is over the relief you feel is huge.
At this point you can restart your life and get a fresh financial start.
Sometimes people will fight to pay bills because they think that filing bankruptcy is difficult.
They also worry about the rules and if they qualify.
Each year thousands of Oklahoman's file bankruptcy and get the protection they need.
The key to bankruptcy is understanding that you're not alone and that qualifying isn't that hard.
Once you file and the case is over the relief you feel is huge.
At this point you can restart your life and get a fresh financial start.
The first thing you have to do is call me.
As a general rule I'll answer the phone rather then one of our paralegals.
I do this because it makes the process easier.
Because we understand the stress of our clients we are in a great position to make it easier.
Many firms require you to leave a message and promise to call you back when they're back from court.
Once you do get a hold of the attorney they'll set up an appointment for you to come in and do a consultation.
If you're unlucky this consultation might not be for another week or two.
As a general rule I'll answer the phone rather then one of our paralegals.
I do this because it makes the process easier.
Because we understand the stress of our clients we are in a great position to make it easier.
Many firms require you to leave a message and promise to call you back when they're back from court.
Once you do get a hold of the attorney they'll set up an appointment for you to come in and do a consultation.
If you're unlucky this consultation might not be for another week or two.
The Bankruptcy Abuse and Prevention Act is reflected in the new Oklahoma bankruptcy laws Laws.
Unlike the old laws which paid little or no regard to the Oklahoma bankruptcy filers income, or other key factors the new Oklahoma bankruptcy laws added additional requirements.
This is called means testing.
Under the Oklahoma means test, the debtor is allowed to make a maximum income depending on his or her family size.
This is income is said to be limited to the median family income based on IRS earnings data for the geographic area.
Unlike the old laws which paid little or no regard to the Oklahoma bankruptcy filers income, or other key factors the new Oklahoma bankruptcy laws added additional requirements.
This is called means testing.
Under the Oklahoma means test, the debtor is allowed to make a maximum income depending on his or her family size.
This is income is said to be limited to the median family income based on IRS earnings data for the geographic area.
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