When choosing an Oklahoma bankruptcy attorney you should have confidence that your attorney will be kind, courteous, easily accessible and have excellent bankruptcy skills. I have extensive experience with helpings my clients file for bankruptcy, stop garnishments, prevent foreclosure, stop creditor harassment and receive protection from lawsuits. Take the first step to your financial freedom!
What if I have filed before?
There is no limit on the number of bankruptcy cases that one may file. In fact, there is no limit in between time frames to file bankruptcy. Nevertheless, if sufficient time between filings does not take place, you may be not be eligible for "discharge."
So if a bankruptcy case is filed too soon, even though it will not be dismissed, a discharge may not take place. The time frames between discharge eligibility are as follows: 2 years between Chapter 13s. -1328(f)(2) 4 years between a Chapter 7 and Chapter 13 -1328(f)(1) 6 years between a Chapter 13 and Chapter 7(if under 70% plan). -727(a)(9) 8 years between Chapter 7s. -727(a)(8)
The time is counted from filing to filing--not from first discharge to second filing.
I know your story.
As a bankruptcy law firm, I sometimes get mixed signals from people. Bankruptcy has a negative stigma and most people simply don't understand the process. People tend to think of Bankruptcy as something people file because they are deadbeats or simply want to take the easy way out. Day in and day out, that's not what I see. I see the elderly couple living on fixed incomes worrying about their retirement, because their medical bills are drowning them even though they have insurance. I see a divorced single-mom that once had a two-income home and now only has one. I also see the divorced dad who is saddled with child support and alimony and can no longer afford his bills. I see the contractor that does honest work, but is in a flooded market now that construction has slowed. I see the family that wanted to live the American Dream by owning a home, but now owns a nightmare. I see people that would pay their bills if they could just get a job to replace the one they lost. I see people that have made honest mistakes. I see people just like YOU, and I've heard your story. These good people need a fresh start and a new beginning. I am glad to help them relieve stress, get more sleep, and end harassment. If you are thinking about Bankruptcy, I know you are going through hard times. I can help you take back control of your life
