Personal Bankruptcy: Chapter 7 & 13
Tulsa Bankruptcy Attorneys
If you are struggling with unmanageable debt and need to speak with a Tulsa bankruptcy attorney, we encourage you to contact Horizon Attorneys & Counselors at Law, PLC. At your no-obligation consultation, we can discuss your situation and provide candid advice that will allow you to make an informed decision about whether or not to file bankruptcy, and if so, whether to file under Chapter 7 or Chapter 13.
Although bankruptcy is not the answer for everyone, it has helped millions of people throughout America obtain a second chance and a brighter economic future. At your consultation, we can discuss the differences between Chapter 7 bankruptcy, Chapter 13 bankruptcy and other debt relief services that may be available to you.
To contact our law office in Tulsa, Oklahoma, call 918-398-7900.
Personalized Attention in a Challenging time
Our firm is pleased to provide quality representation for people and businesses statewide throughout Oklahoma. As a small firm, we work closely with clients to provide personalized attention to difficult legal challenges.
They will inform you of the difference between Chapter 7 bankruptcy and Chapter 13 bankruptcy and provide knowledgeable advice about issues such as debt management, creditor harassment, home foreclosure, wage garnishments and asset protection.
Chapter 7 vs. Chapter 13
To obtain debt relief through a Chapter 7 bankruptcy, you must meet certain eligibility requirements, including what is known as the “means test.” In order to pass the Chapter 7 means test, your income over the past six months must be lower than the median state income. For those people who do not meet the eligibility requirements of Chapter 7, a Chapter 13 bankruptcy may be an option.
A Chapter 7 bankruptcy, sometimes called a debt liquidation bankruptcy, eliminates or discharges all unsecured debts, including credit card debts and medical bills. A Chapter 13 bankruptcy, sometimes called a debt reorganization bankruptcy, allows people to pay back a portion of their unsecured debts as well as their secured debts over a three to five year period. Secured debts are typically debts on houses or automobiles. In addition, a Chapter 13 bankruptcy may reduce the amount and interest of certain debts.
Contact Us
If you are sick of creditor harassment, wage garnishments, the threat of home foreclosure and other debt management worries, contact us for help.
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Horizon Attorneys & Counselors at Law PLC
4715 East 91st Street, Suite 200
Tulsa, Oklahoma 74137
Phone: 918-398-7900
Fax: 918-398-7903
E-mail | Map & Directions
Horizon CPAs & Consultants PLC
4715 East 91st Street, Suite 200
Tulsa, Oklahoma 74137
Phone: 918-398-7900
Fax: 918-398-7903
E-mail | Map & Directions