FAQ

Frequently Asked Bankruptcy Questions

Call Our OKC Bankruptcy Lawyer at (405) 725-1441

In our more than 20 years of service, we have noticed that many of our clients come to us with similar questions and concerns. To better serve the needs of our clients, our bankruptcy attorney has compiled a list of commonly asked questions and provided the answers below. We hope you find this information useful as you choose to begin the bankruptcy process.

Why can't I just file for bankruptcy on my own?

Filing for bankruptcy without legal representation can lead to disaster. You are at a greater risk of having your petition denied or delayed due to errors. For example, some individuals have filed their bankruptcy petitions in the wrong court! Don't let this happen to you. Seek adequate assistance from our highly experienced law firm.

Learn more about how filing for Chapter 7 bankruptcy can benefit you!

Will bankruptcy affect my credit?

Yes. Bankruptcy filings can appear on your credit record for up to 10 years. However, once you have completed the bankruptcy process, you can start rebuilding your credit score.

Open a “secured credit card” account. You are issued a regular credit card. Payment activity is reported to the bureaus. Pay on time. Never exceed the limit. Your score will improve quickly.

Our firm shares more helpful tips here:

Why should I choose to entrust my bankruptcy case to your firm?

Because we genuinely care about our clients and their peace of mind. Unlike some other bankruptcy law firms, we don't treat clients as mere case numbers. We never lose sight of the fact that each case we handle represents a family in desperate need of debt relief. This is why we go above and beyond to make sure their needs are met. In fact, we offer weekend and evening appointment times!

I am afraid of my financial ability to pay for legal representation. What are my options?

We understand that many of our clients are experiencing financial strain when they come to us for help. This is why we offer affordably priced bankruptcy services for Chapter 7 bankruptcy and free case evaluations. We wish to lessen your burden, not make it worse.

What debts can I include in my Bankruptcy?

Any/All debts can be discharged in Bankruptcy, including tax debts, unless they are "excepted" from discharge. "Discharge", a contracts term, means that one is legally excused from the duty of payment. When a Bankruptcy court issues a 'discharge order', the duty of repayment is removed by order of the Federal Court . The discharge includes permanent protection from any/all future attempts at collection. Exceptions to Discharge - Debts which are 'excepted' from discharge are found in 11 U.S. Code § 523.

These include generally:

Child Support or Alimony;
Income Tax debts assessed less than 3 years before the date of Bankruptcy;
Credit acquired by fraud or false pretenses;
Government fines and/or penalties;
Drunk driving reparations;
Debts owed by an ex-spouse which have been ordered to be paid by the Bankruptcy filer in a divorce decree or property settlement.

What Sets Us Apart

Representation From a Law Firm With One of the Highest Client Satisfaction Ratings in the State.

Our dedication to client success has earned us top satisfaction ratings, ensuring you receive trusted, results-driven legal support.
Personalized Attention From Start to Finish.

We take a hands-on approach to your case, providing direct support and tailored legal guidance every step of the way.
Affordable Chapter 7 Bankruptcy Payment Options.

We offer flexible payment plans to make Chapter 7 bankruptcy more accessible, helping you move forward without added financial stress.
Evening and Weekend Appointment Availability.

With evening and weekend appointments, we make it easy to get the legal help you need, on your schedule.

Let's Get Started Together.

First Step: Discuss Your Case

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“Grateful”
After years of struggling w/deriorating health due to a series of heart attacks,I struggled with trying to maintain my chiropractic practice and remain current with my current obligations. The struggle became unbearable with the COVID 19 shutdown and I really don't know what I would have done without the very capable counsel of Atty.Alex Hilton. I was interviewed at length,explained what was expected of me and told how to collect the necessary documents. I will be forever grateful for the compassion and expertise demonstrated by this law firm .

Thomas Joyce
“Magnificent knowledge and customer service!”
A wonderful, professional attorney who cares! Recently we were at our darkest moment, financially speaking. However, Mr. Hilton clearly explained our legal rights and obligations and demystified the bankruptcy process for us. No surprises at all -- I could not recommend him more highly!

Aaron
“Best bankruptcy attorney ever!!”
Calling Alex was the best decision we have made!!! We were in a bad situation and had previously recieved some bad advice that made our financial situation even worse. Alex agreed to meet us the same day we called him and he even stayed late to do so! After looking over our mess, he gave us his advice and he answered EVERY SINGLE QUESTION we had! The rest is history! He did everything he said he would!! If you need help and are looking for a bankruptcy attorney, then look no further!! Call Alex today! You will not regret it!

Kenna
“Our case complicated and our situation was dire... He took our case, got it sorted out and got our discharge.”
Our case was complicated and our situation was dire. I was a nervous wreck. Mr. Hilton assured me that once I stepped foot in his office that our problems because his problems and to no longer worry about it. Of course we are only human so that wasn’t possible however, true to his word he took our case, which wasn’t just a straight forward easy chapter 7, and got it sorted out and got our discharge. I would HIGHLY recommend him.

Steven
“"If you are looking for someone to help you get back on track financially [...] Alex Hilton is your man."”
My mother and I have used Mr. Hilton's services on two separate occasions, and we cannot say enough good things about him -- as an attorney, and as a person. He is approachable, polite, transparent about his business practices, sympathetic to each client's particular financial situation and, of course, very knowledgeable about the laws pertaining Chapter 7 bankruptcies. Whenever either of us had a question about the process, he answered our queries thoroughly, making sure we understood everything we needed to before moving forward. Subsequently, what could have been nightmarish ordeals for us both instead were handled with relative ease and care. If you are looking for someone to help you get back on track financially without judgment or the fear of being overwhelmed by what can be an arduous and costly process, then Alex Hilton is your man.

Khan
“"Mr. Hilton is a gem and a pleasure to work with!"”
My wife was so nervous to file bankruptcy and Mr. Hilton talked with her and gave her the history of bankruptcy and the reasoning that is was the right thing to do in our case which set her mind at ease. Mr. Hilton is always there if we have questions and always quick with return emails and phone calls. Even months after everything is finished he is still there for us. Cannot recommend this man highly enough to do him the proper justice.

L & M Johnson
“I was terrified and overwhelmed and Mr. Hilton helped make an impossible situation manageable and he did so with patience and extreme kindness.”
It's been almost a year since Mr. Hilton saved us from a desperate situation. He helped us overcome an incredible burden and helped relieve a tremendous amount of financial stress we were dealing with on a daily basis. Personally, I was terrified and overwhelmed and he helped make an impossible situation manageable and he did so with patience and extreme kindness. He answered all of our questions and was always prompt with returning phone calls. The entire process was seamless for us and we couldn't have asked for a better attorney to represent us during the bankruptcy process.

M&S B.
“He worked hard on our mess of a Chapter 13 case. I will recommend him to anyone I know that is in need of a Bankruptcy Attorney.”
After having a flake for our 1st attorney, Alex Hilton turned our case around and got us amazing results. He worked hard on our mess of a Chapter 13 case. I will recommend him to anyone I know that is in need of a Bankruptcy Attorney. He is kind , compassionate and doesn't mess around

Former Client