In western Oklahoma, money follows the rigs. When drilling is strong, the paychecks are good and it’s easy to take on a new truck or a bigger house. When activity slows, those same payments can become impossible. If that’s where you are, bankruptcy may give you a fresh start, and you can handle it without driving two hours to Oklahoma City.
Contract, 1099 and self-employed income. Many people around Elk City work as contractors, run their own small operation or get paid per job. That income is handled differently in a bankruptcy than a regular paycheck: business expenses count, and the six months before filing matter for the means test. We’ll go through your actual numbers and tell you whether Chapter 7 or Chapter 13 fits better.
Lawsuits and garnishments. Beckham County collection cases are filed at the county courthouse in Sayre. Once your bankruptcy case is filed, the automatic stay stops most collection suits, garnishments and repossessions.
From start to finish by video. The consultation is a Microsoft Teams call, your paperwork goes back and forth electronically, and the meeting of creditors is held by Zoom. Clients from Elk City, Sayre, Erick and the surrounding area rarely need to make the trip.
Marty Martin has represented Oklahoma consumers in bankruptcy since 2003. Call or text (405) 255-2380, or request a free consultation online.