Practice areas
How we get you out of debt
Every case starts the same way: a free, honest conversation about which path actually fits your life. Here’s what each one looks like.
The fresh start
Chapter 7 Bankruptcy
Eliminates most unsecured debt — credit cards, medical bills, personal loans — in about three to five months. Oklahoma’s exemptions let most filers keep their home, vehicle, and belongings.
- ✓ Debt relief in roughly 3–5 months
- ✓ Most unsecured debts fully discharged
- ✓ No repayment plan
- ✓ Creditor calls and garnishments stop at filing
What it costs
Court filing fee: $338 (current as of july 2026). Fee can be waived (Form 103B) if household income is below 150% of the federal poverty line, or paid in up to 4 installments (Form 103A). Attorney fees are discussed at your free consultation and payment plans are available. Chapter 13 attorney fees are typically paid through the repayment plan itself.
The Chapter 7 timeline
Day 1
Free consultation
Review your finances with David and confirm Chapter 7 is the right fit.
Before filing
Credit counseling course
A required online course from an approved provider (about 60–90 minutes).
Week 2–4
Petition filed — automatic stay begins
The moment your case is filed, creditor calls, garnishments, repossessions and foreclosure actions must stop.
~30 days after filing
341 meeting of creditors
A short meeting (usually 5–10 minutes, often by phone/video) where the trustee confirms your paperwork. David is with you.
~60–90 days after the 341 meeting
Discharge — debts wiped out
The court order that permanently eliminates your qualifying debts.
The home saver
Chapter 13 Bankruptcy
Reorganizes your debt into one court-protected monthly payment over three to five years. The strongest tool for stopping foreclosure and catching up on a mortgage.
- ✓ Keep your home and stop foreclosure
- ✓ One affordable, court-approved payment
- ✓ Protects co-signers on consumer debts
- ✓ Catch up on mortgage or car arrears over time
What it costs
Court filing fee: $313. No waiver for Chapter 13, but installments are available (Form 103A). Attorney fees are typically paid through the repayment plan — not up front.
The Chapter 13 timeline
Day 1
Free consultation
Build a picture of your income, debts and what you want to protect.
Week 2–4
Petition + repayment plan filed — automatic stay begins
Foreclosure and garnishments stop immediately. Your proposed 3–5 year plan is filed with the court.
~30–45 days after filing
341 meeting of creditors
The trustee reviews your plan and paperwork.
~2–3 months after filing
Plan confirmation
The court approves your repayment plan.
36–60 months
Plan payments
One consolidated monthly payment to the trustee, sized to your actual budget.
At plan completion
Discharge
Remaining qualifying balances are eliminated when the plan completes.
Oklahoma exemptions
What the law protects
Oklahoma is an "opt-out" state: Oklahoma residents use these state exemptions rather than the federal list. This is a summary, not the complete statute — your attorney applies these to your exact situation.
Your home (homestead)
Unlimited value for your principal residence — up to 1 acre in a city or 160 acres rural. (Limited to $5,000 if more than 25% of the property is used for business.)
31 O.S. § 1(A)(1), § 2
Vehicle
Up to $7,500 of equity in a motor vehicle, per person.
31 O.S. § 1(A)(13)
Household goods & furnishings
All household and kitchen furniture, and personal belongings held for family use.
31 O.S. § 1(A)(3)
Retirement accounts
401(k)s, IRAs, pensions and most other qualified retirement plans are fully protected.
31 O.S. § 1(A)(20)
Wages
75% of wages earned in the 90 days before filing (more in hardship cases).
31 O.S. § 1(A)(18), § 1.1
Tools of your trade
Up to $10,000 in implements, books and tools used in your trade or profession.
31 O.S. § 1(A)(5), (6)
Personal items
Clothing (up to $4,000), wedding and anniversary rings (up to $3,000), guns (up to $2,000), books, portraits and pictures.
31 O.S. § 1(A)(7), (8), (14)
Injury compensation
Personal injury and workers’ compensation awards up to $50,000.
31 O.S. § 1(A)(21)
Protect what’s next
Estate Planning
Wills, trusts, powers of attorney and probate — a complete plan to protect your family and make sure your wishes are carried out.
- ✓ Wills and trusts
- ✓ Probate administration
- ✓ Power of attorney
- ✓ Healthcare directives