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Chapter 13 Bankruptcy Lawyers in Tulsa

Consider Filing Chapter 13 with The Colpitts Law Firm

Filing Chapter 13 bankruptcy allows you the privilege of repaying debts you owe by reorganizing your payment plans. While your debt is not completely erased, certain amounts may be reduced or renegotiated to add more financial relief to your repayment plan.

Chapter 13 has advantages that are not available under Chapter 7, such as:

  • Adjusting payments for outstanding taxes and stopping the government from applying tax refunds to the amount you owe
  • Reducing student loan payments and bringing them current
  • Lowering payments on car loans and stopping repossession process
  • Decreasing mortgage payments and preventing foreclosure on your home
  • Adjusting child support payments
  • Reducing alimony payments

To discuss your debt concerns, contact our Tulsa Chapter 13 bankruptcy attorneys. Contact us at (918) 302-2662 to arrange an initial consultation and find out what we can do for you.

Further Benefits of Chapter 13

Filing Chapter 13 bankruptcy is a great option for a lot of different people. Ultimately, the decision between Chapter 7 and Chapter 13 will come down to the unique circumstances of your situation.

In Chapter 13 bankruptcy:

  • Creditors must cease from pursuing you for collections
  • Phone calls or any written form of harassing communication from creditors is unlawful
  • Creditors are not permitted to file lawsuits
  • Your wages cannot be garnished

The Colpitts Law Firm wants to ensure your rights are protected during the bankruptcy process. If any creditors do not follow the law once you have filed Chapter 13, our bankruptcy lawyers can handle communications to demand all attempts of collecting the debt stop immediately.

Developing a Repayment Plan

When you file for Chapter 13 bankruptcy, a trustee is assigned to handle your repayment plan. Most repayment plans are set up to repay all creditors (except for mortgage payments) within 36 to 60 months. You must demonstrate that you have the income to satisfy this agreement and your payments must be made directly to the trustee who then distributes them to your creditors.

The Colpitts Law Firm can work with you to alleviate your financial concerns, giving you a fresh start and re-establishing the credit standing you deserve.

There can be strict time limits for taking legal action in bankruptcy cases, so do not hesitate to call us at (918) 302-2662 for a consultation.

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“Our knowledge and experience give us an unparalleled ability to move difficult cases through the bankruptcy system smoothly.”

- Greggory T. Colpitts
Board Certified in Consumer Bankruptcy
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