Bankruptcy: Credit Counseling & Debtor Education

By Stephen MartinDecember 29, 2016

If you are considering bankruptcy, you should be aware of the credit counseling and debtor education requirements of the Bankruptcy Code.  These requirements were added to the Code in 2005. Their purpose was to help individuals determine if there were any meaningful alternatives before filing bankruptcy. WHO MUST COMPLY? All individual debtors (including jointly filing+ MORE

What is the Chapter 7 Means Test?

By Stephen MartinDecember 28, 2016

The Chapter 7 Means Test If you are considering bankruptcy, you may be asking yourself, what is the Chapter 7 means test?  In short, it is a financial test to determine if a consumer debtor may file Chapter 7 bankruptcy.  Here is how it works: Does the Test Apply? First, only debtors with “primarily consumer+ MORE

What are the Warning Signs of Elder Abuse Against Residents?

By Clayton Hasbrook

Because seniors often hesitate to speak openly about nursing home abuse, it’s very important that you know what sorts of signs and symptoms to look for. If you notice any of the following in your loved one, you should be on high alert. Injuries that can’t be easily explained. It doesn’t necessarily have to be+ MORE

Nursing Home Neglect in OK: Statistics and Common Injuries

By Clayton Hasbrook

It is difficult to track precise statistics on elder abuse, simply because many seniors hesitate to speak up about experiencing mistreatment or neglect. However, the National Center on Elder Abuse (NCEA) cites studies reporting that as many as one in 10 seniors experienced abuse during a one-year period. Abuse can take the form of physical+ MORE

Oklahoma Bankruptcy Exemptions

By Stephen MartinDecember 21, 2016

Your debts are mounting and the phone never stops.  You want relief from the constant pressure of debt.  You know bankruptcy is an option.  However, you are worried about your property.  However, if you are like many Oklahoman’s, your concern for your property is misplaced.  Oklahoma bankruptcy exemptions provide protections that may protect every asset+ MORE

What is the 341 Meeting in Bankruptcy?

By Stephen MartinDecember 20, 2016

Approximately 1 month after your Chapter 7 bankruptcy is filed, you and your attorney will attend a 341 Meeting at the Bankruptcy Court.  So, what is the 341 Meeting?  It is conducted by your bankruptcy trustee in a meeting room at the Bankruptcy Court.  There are generally 6-7 cases on each 1/2 hour docket.  You+ MORE

The Bankruptcy Process in Oklahoma

By Stephen MartinDecember 19, 2016

Is you debt keeping you awake at night?  Are you tired of the harassing telephone calls from collection companies?  Is your paycheck being garnished?  If any or all of these situations apply to you, help is available.  Call our Oklahoma Bankruptcy Lawyer  to schedule your free in office or telephone consultation to determine if bankruptcy+ MORE

Bankruptcy and Your Tax Refund

By Stephen MartinDecember 15, 2016

Many people considering bankruptcy don’t think about their income tax refund.  But they should!  When you file under Chapter 7, all non-exempt property owed to you at that time becomes property of the bankruptcy estate.  Although you may not yet know the amount of your income tax refund, it is considered owed to you and,+ MORE

10 Reasons People File Bankruptcy

By Stephen MartinDecember 14, 2016

Below are 10 reasons people find it necessary to file bankruptcy.  In many cases, people end up in a financial situation that is not there fault.  In others, poor or often no financial plan result in the need for relief.  Despite the factors that lead you to consider filing bankruptcy, we can help.  Medical Expenses+ MORE

Will Bankruptcy Discharge All of My Debts?

By Stephen MartinNovember 18, 2016

In most instances, the answer is no.  However,it depends on what your debts are. The Bankruptcy Code allows a debtor to file bankruptcy to eliminate debts (Chapter 7) or set up a repayment plan to pay back debts (Chapter 13). Some debts that are not dischargeable in Chapter 7  can be discharge in Chapter 13.+ MORE