Bankruptcy Attorney Oklahoma City OK
Marty Martin Law is a full-service experienced bankruptcy attorney in Oklahoma City OK. We service the entire western half of Oklahoma. Beginning in 2007, we have handled hundreds of consumer bankruptcy cases. Many people who first come to see me are nervous and fearful of the process. The truth is, the credit card companies have been spreading lies and misinformation for years, telling people how bad bankruptcy is. The truth is, filing bankruptcy can often be the best and only solution. At Marty Martin Law, our Oklahoma City OK bankruptcy attorney is fully prepared to help you.
There is another misconception that filing bankruptcy will destroy your credit and make you unable ever to get credit again. The truth is that what is killing your credit is not paying your bills and having creditors report every month to the credit bureaus detrimental information about you. The ONLY way that is going to stop is if you hire a bankruptcy attorney in Oklahoma City OK like Marty Martin Law and file bankruptcy.
Once we file your case, creditors will no longer be able to report any further detrimental information after the filing of your bankruptcy. Next, our Oklahoma City OK bankruptcy attorney will work on preparing a plan for you that will not only gradually and quickly improve your credit rating but empower you with tools that will ensure that you never need my services again.
You may have heard of national companies offering to help you with your debts and finances. If these ads sound too good to be true, they probably are. I regularly get clients who have previously worked with national debt consolidation companies only to end up getting sued and hiring me to help – usually after they have paid the consolidation company thousands of dollars. In truth, only by working with a licensed bankruptcy attorney in Oklahoma City OK like Marty Martin Law, can you truly become debt-free while also protecting yourself against lawsuits, harassing phone calls, and letters.
We will always treat you respectfully, and you will always deal directly with an attorney (not a legal assistant). We will get you the relief that you are seeking quickly and efficiently and at a fair fee. The process begins by providing documents such as pay stubs, bank statements, and tax returns. We use that information to fill out the forms that will be filed with the court in collaboration with the bankruptcy attorney in Oklahoma City OK, or at a surrounding satellite office. You will always have the final review before any documents are filed in your case, and we will always carefully explain everything. Your attorney from Marty Martin Law will be with you every step of the way and will be available whenever you have a question or concern. Making and keeping happy clients is what we strive for.
We offer free consultations with an experienced bankruptcy attorney Oklahoma City, OK residents recommend. Please call or email today. We will be happy to help.
Frequently Asked Bankruptcy Questions
At Marty Martin Law, our bankruptcy attorney Oklahoma City OK recommends is well aware of the tremendous financial hardship you may be facing. Contending with the inability to make credit card payments, pay your mortgage, etc. can be incredibly stressful. You may be worried over what the future may hold for you and how you will ever be able to dig yourself out of debt. For many, bankruptcy is a viable option that can assist our clients in finally being able to live their lives with a clean slate, free from debt. Working with our Oklahoma City, Oklahoma bankruptcy attorney aims to help you understand your options, and answer the many questions we know you have.
What are some signs that it may be in my best interest to file bankruptcy?
We know that for many, the idea of a bankruptcy filing can be difficult to come to terms with. You may even be in denial that bankruptcy is the viable option for you. Our Oklahoma City OK bankruptcy attorney provides you with some signs that you may want to consider bankruptcy:
- You are not paying your bills on time
- Your assets add up to more than half of your yearly income
- You are either only making minimum payments, or are unable to pay your bills at all
- You pick and choose which bills you will pay each month
- You are facing foreclosure, or your creditors are taking legal action against you
What assets will I be able to keep if I file for bankruptcy?
This will largely depend upon the chapter of bankruptcy your Oklahoma City OK bankruptcy attorney advises you to file. If you are looking to keep your home, it may be in your best interest to file Chapter 13 bankruptcy. However, it’s important to be aware that there are exemptions for both Chapter 7 and Chapter 13 so that you do not walk away from your bankruptcy destitute.
Are all debts forgiven in a bankruptcy filing?
While many debts can be discharged, our bankruptcy attorney in Oklahoma City OK wants you to be aware that some debts will likely not be forgiven. This includes:
- Unpaid taxes
- Student loan debts
- Child Support
- New Credit Card Debt
How can I rebuild my credit after bankruptcy?
After you have resolved your bankruptcy case, your sights may be set on the best and fastest way to rebuild your credit after bankruptcy. Typically, Chapter 7 remains on your credit report for ten years and a Chapter 13 filing for seven years. Our Oklahoma City OK bankruptcy attorney shares that during this period, there are steps you can take to rebuild your credit. For example:
- Start by acquiring your credit report and making sure that the information is accurate
- Check your credit score
- Obtain a credit card that you are sure to pay off every month
- Do not apply for a credit card unless you are sure you will get approved; this could impact your credit
No person should have to live with crushing, all-consuming debt. Bankruptcy is a possible solution that doesn’t have to be a death sentence. Bankruptcy can help you to start anew, slowly rebuilding your credit. Let our Oklahoma City, OK bankruptcy attorney at Marty Martin Law provide you with the legal guidance and skills you need to not only manage your bankruptcy but make better financial decisions.