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When Bad Things Happen to Good People ...

Bankruptcy May Be Your Option

June 2015 Archives

What debt collectors can and cannot say

Getting a call from a debt collector regarding an overdue bill can be an aggravating experience. More often than not, you are already aware of the debt and simply trying to find a way to pay it. The Fair Debt Collection Practices Act protects people all across Oklahoma and America from creditor harassment.

Chapter 7 or chapter 13: Which is right for me?

Realizing you need to file for bankruptcy can feel stressful and confusing. Yet, this process can be a huge relief for many families, leading to a fresh start in life. For consumers, there are two choices available: chapter 7 bankruptcy and chapter 13 bankruptcy. Knowing which is best for you — or even which you qualify for — can be a big help.

Can I discharge my student loans through bankruptcy?

Yes, but it is extremely difficult to do so. Declaring bankruptcy does not automatically discharge your student loans. In fact, federal law prohibits student loans from being discharged through either Chapter 7 or Chapter 13 bankruptcy except in very rare circumstances. Student loans may be discharged only when the loans pose an “undue hardship” on the borrower.

What if I forget to list a creditor on my bankruptcy?

Whether you are filing for Chapter 13 or Chapter 7, your attorney will prepare several documents called Schedules; for your review and signature. These give the bankruptcy court a clear picture of your income, expenses, assets, and debts. The name, address, and other information for all of your creditors are listed here. This information is then used to give all of your creditors notice that you have filed for bankruptcy.

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