Duncan has been an oil-field town since Halliburton started here, and anyone who works in that industry knows how fast a good year can turn into a hard one. When the overtime stops or the layoffs come, the truck payment and credit cards don’t wait. Bankruptcy is one way to reset, and you don’t need a local office to do it.
Uneven income changes the math. Whether you qualify for Chapter 7 depends on the means test, which starts with your average income over the six months before you file. A few months of heavy overtime can push that average up even after the work dries up. Sometimes waiting a month or two makes Chapter 7 available; sometimes Chapter 13 is the better fit because it lets you catch up on a vehicle or house you want to keep. We compare both with you before you decide.
Handled from home. Consultations are by Microsoft Teams, documents are sent electronically, and the meeting of creditors is held by Zoom video. Clients from Duncan, Marlow, Comanche and Velma rarely need to come to Oklahoma City.
Already being sued or garnished? Collection lawsuits against Stephens County residents are filed at the courthouse in Duncan. Filing bankruptcy puts an automatic stay in place that stops most garnishments and collection suits.
Marty Martin has represented consumers in the Western District of Oklahoma since 2003. Call or text (405) 255-2380, or request a free consultation online.