OklahomaBankruptcyAttorney

You cannot file a Chapter 7 if you have filed a successful Chapter 7 case in the last 8 years, a successful Chapter 13 case in the last 13 years, or a failed case in any chapter in the last 6 months.

You may, but will probably not want to, file Chapter 7 if you have any non-exempt assets that you would lose if you file. Most people do not. Consult an attorney to find out if you might lose any.

If your last 6 months' gross household income is higher than the current statistical Oklahoma median income for a household your size, you probably cannot file. Consult an attorney to determine if you can.

While it is true that the Bankruptcy Reform Act of 2005 resulted in the prevention of a large number of would-be bankruptcy filings by higher-income households, it is untrue that it placed a ban on filing on credit cards. You can still file and be discharged of your credit card debt and most other unsecured debts." - Joel K. Mitchell, Attorney-at-Law

"Discharged" means you get out of the debt in bankruptcy and basically do not owe it anymore.

Dischargeable debts include money judgments, short-term small loans, medical debts, credit cards, and deficiency balances owed due to repossession or foreclosure.

Student loans, child support past or present, personal injury due to drunk driving while under the influence of alcohol or drugs, and most taxes.

Also not discharged are loans secured by collateral that you reaffirm. If you want to keep your car or house and owe money on it, you continue to pay for it.

Major unexpected life change, such as death of a loved one, divorce, or the loss of a job

Illness, accident or surgery leading to major medical expenses not covered by insurance

Getting ready to get hit with a garnishment from a creditor's judgment

Click the button to the right to complete an online questionaire.
I will review it and respond to it, telling you if I think you can file for Chapter 7 bankruptcy relief.

WE ARE A FEDERALLY DESIGNATED DEBT RELIEF AGENCY PURSUANT TO TITLE 11 OF THE U.S. CODE.
WE PROVIDE LEGAL ASSISTANCE AND HELP PEOPLE FILE FOR BANKRUPTCY RELIEF UNDER THE BANKRUPTCY CODE.

Even if you do not have too high of gross income under the median income and means test, you still may have too much disposable income to file under Chapter 7 versus 13. Consult an attorney as to which chapter to file.