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Best Bankruptcy Attorneys in Norman

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Chris Mudd & Associates PLLC logo
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Chris Mudd & Associates PLLC

7805 South Pennsylvania Avenue, Oklahoma City, OK 73159
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Chris Mudd & Associates PLLC is a bankruptcy law firm that has been serving the Oklahoma City Metro area for over 25 years. Its experienced lawyers help clients end wage garnishments and stop foreclosures and creditor harassment. They also assist in filing for chapter 7 for debt discharges and chapter 13 for repayment plans. The team aims to help clients eliminate medical bills and credit card debts and obtain the maximum benefits that can come from bankruptcy filings.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (29)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Convenient Bankruptcy logo
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Convenient Bankruptcy

10313 Greenbriar Parkway, Oklahoma City, OK 73159
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Convenient Bankruptcy is a bankruptcy law firm in South Oklahoma City, near Norman. It aims to make the bankruptcy process more straightforward for those seeking debt relief from medical bills, payday loans, and past-due rents. Managing attorney Luke Homen and his team of legal professionals can help individuals navigate the chapter 7 and 13 bankruptcy process. They can also advise those who want to protect their assets from foreclosures and repossessions. Homen has been practicing law since 2008 and is admitted to practice law in California and Oklahoma.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Doug Carel Attorney at Law logo
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Doug Carel Attorney at Law

2200 Shadowlake Drive, Oklahoma City, OK 73159
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Doug Carel Attorney at Law provides assistance throughout Norman and surrounding areas in various legal matters. The company's bankruptcy attorneys have been representing debtors in bankruptcy court for more than 20 years. Its professionals offer debt-relief options, such as chapter 13 and 7 bankruptcies. The firm is also available in providing solutions for cases related to criminal defense, estate planning, personal injury, and family law. Principal attorney Doug Carel has been practicing law since 1994.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
3.9 / 5 (17)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Goodin Law Firm logo
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Goodin Law Firm

201 North Broadway Street, Moore, OK 73160
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  • Chapter 7 Bankruptcy
  • Debt Settlement

Business Description

Goodin Law Firm is the private firm of Matthew C. Goodin, an experienced bankruptcy attorney that serves clients in Norman and the surrounding areas. Located in Moore, Goodin has been representing both creditors and debtors in bankruptcy proceedings since 2001. He is also equally experienced in providing legal assistance in commercial transactions and commercial litigations. In addition, Goodin Law Firm also resolves personal and family matters involving estate planning, guardianship, probate, and trust.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (19)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Hilbern Law logo
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Hilbern Law

10415 Greenbriar Place, Oklahoma City, OK 73159
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Hilbern Law is an Oklahoma City office that provides bankruptcy lawyer services in Norman and the surrounding areas. Its founding attorney, David Hilbern, focuses on helping individuals in filing chapters 7 or 13 bankruptcy and in resolving issues that involve garnishments. Hilbern is a law graduate of the University of Oklahoma College of Law in 2000 and a member of the National Association of Consumer Bankruptcy Attorneys (NACBA). Past clients commend Hilbern and his associates' diligence, efficiency, and professionalism.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.1 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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John W. Cloar Attorney at Law logo
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John W. Cloar Attorney at Law

3750 West Main Street, Norman, OK 73072
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  • Chapter 7 Bankruptcy
  • Credit Card Debt
  • Debt Settlement

Business Description

John W. Cloar, Attorney at Law offers debt relief solutions in Norman. The firm's bankruptcy lawyer helps clients rebuild their financial and credit health. He also strives to obtain debt discharges, stops collection attempts and garnishments, and files bankruptcy petitions of qualified debtors. Additionally, he informs clients of other debt-relief options, providing debt settlement services. John W. Cloar, Attorney at Law represents debtors in consumer debt litigations, dealing with credit card companies and negotiating debt collection issues.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (16)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (1)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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––
Justice Legal Team logo
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Justice Legal Team

1211 N Shartel Ave, Ste 200, Oklahoma City, OK 73103
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Justice Legal Team is a family law firm that represents clients in the Oklahoma City Metro Area. A team of experienced attorneys handles cases involving divorce, parental rights, child custody, and other related matters. The firm's bankruptcy attorneys provide assistance in filing for a chapter 7 or a chapter 13 bankruptcy. They can also help stop home foreclosures and wage garnishments, prevent vehicle repossessions, and end creditor harassment. The firm's practice areas also include civil litigation and probate matters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Law Office of L. Todd Nalagan logo
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Law Office of L. Todd Nalagan

3750 West Main Street, Norman, OK 73072
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of L. Todd Nalagan is a Norman-based legal practice of a bankruptcy lawyer. L. Todd Nalagan, the firm's attorney, strives to gain a thorough understanding of the clients' circumstances and needs. He has represented professionals, college students, and business executives in liquidation bankruptcies since 1998. Apart from filing bankruptcy petitions, he aims to obtain debt discharges and relief from creditor harassment. The Law Office of L. Todd Nalagan also deals with reorganization bankruptcies, stopping home foreclosures.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Law Offices of B David Sisson logo
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Law Offices of B David Sisson

305 East Comanche Street, Norman, OK 73069
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  • Debt Settlement

Business Description

The Law Offices of B. David Sisson is dedicated to resolving bankruptcy matters in Norman. Established in 1990, this company guides clients in determining whether declaring bankruptcy is beneficial to them. B. David Sisson, its bankruptcy attorney, helps businesses and individuals understand their legal options, evaluating their financial situations to identify applicable bankruptcy types. He is well-versed in chapter 13, chapter 11, and chapter 7 bankruptcies. In addition, he provides legal defense in home foreclosure cases.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (13)
Avvo
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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McBride & Associates, P.C. logo
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McBride & Associates, P.C.

732 North Santa Fe Avenue, Edmond, OK 73003
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

McBride & Associates, P.C. is a law firm that offers bankruptcy solutions in Norman. Founder L. David McBride is a bankruptcy attorney helping businesses and individuals regain their financial freedom. His consultations aim to assess clients' debt situations, determine their eligibility for bankruptcy declaration, and verify whether bankruptcy is their optimal debt relief option. For cases of liquidations, he seeks debt discharges, including utility and medical bills, and applies property exemptions to preserve clients' assets. Moreover, he deals with debt reorganizations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.8 / 5 (49)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Ryan P. DeArman, PLLC logo
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Ryan P. DeArman, PLLC

2512 North Moore Avenue, Moore, OK 73160
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Ryan P. DeArman, PLLC, is the private practice of the bankruptcy attorney that serves individuals and families in Moore, Norman, and the surrounding areas. DeArman offers legal assistance to his clients in filing chapters 7 and 13 bankruptcies. He also handles matters that involve business formation, estate planning, probate law, and social security disability claims. DeArman is a graduate of the University of Oklahoma College of Law and has more than 15 years of experience in the field.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (28)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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