Oklahoma City Bankruptcy Lawyer
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Explore the Repayment Options From Chapter 13

Oklahoma City Chapter 13 Bankruptcy Lawyer

Are you struggling with debt? You have legal options!

At Alexander Hilton & Associates, our Oklahoma City bankruptcy attorney lawyer completely understands how much pressure you are under when struggling with unpaid debts. The good news is that you don't have to work through this alone.

We don't judge or critique. We strive to provide realistic and affordable solutions. Simply put, we are good at what we do and we want to help you. Whether you are trying to pay off credit card debt, or other personal debts, we are here to help guide you through the process and help you select the appropriate debt-relief option that can help you live debt-free.

Before making the decision to file for Chapter 13, we can help answer all of your questions, such as the following:

Chapter 13 Bankruptcy is a personal re-organization and to qualify you must have earnings. A Chapter 13 Bankruptcy allows you to pay-off your debts, usually at a reduced amount negotiated by your attorney, over a period of 3-to-5 years. Depending on your income, many people actually pay $0 to your unsecured creditors.

Chapter 13 is useful to those who are behind on mortgage or auto payments, facing foreclosure or repossession. Although they have good income, they cannot catch up on missed payments. Chapter 13 allows them to keep their house or car and to make up the missed payments over 3-to-5 years.

Chapter 13 is also useful to those who have already filed a Chapter 7 within the previous 8 years. Although they are not eligible to file another Chapter 7 for 8 years, they can file a Chapter 13 at any time and get the court protection they need until they are eligible again.

Chapter 13 is an excellent Bankruptcy alternative for persons whose household income is substantially above the means test limits. They receive all the court protections from collections afforded Chapter 7 Debtors with the opportunity to pay off their debts at a negotiated rate over 60 months. Credit card debts and unsecured loans are paid at 0% interest and, in many cases, do not have to be paid at all.

The Chapter 13 Cram Down option - If you financed a car or truck more than 910 days before the Bankruptcy, and are upside-down on the loan, Chapter 13 allows you to either a) walk away from the vehicle without paying or, b) “Cram Down” the loan debt to the present fair market value of the vehicle. In this way, you pay only the current fair market value of the vehicle and can stretch the remaining payments over 60 months. The cram down feature can save “mucho dinero” on car payments.

Are you ready to take the first step toward debt-free living? Contact (405) 294-4330 or schedule your FREE consultation!

Helping Consumers Leave Debt Behind for Decades

Do not assume you have to go through this difficult chapter in your life on your own, and most importantly, do not assume your financial matter is completely helpless. With the assistance of a seasoned and skilled legal professional, you can have access to the information and resources you need to regain your footing.

When your financial well-being is at stake, why would you risk putting your case in the hands of an inexperienced lawyer? We have been committed to protecting the rights and interests of consumers throughout the state. Our proven history of results, satisfied clients, and professional accolades all serve as further proof that we can help you.

Reap the Benefits of Working with Our Qualified Professionals

  • We know the Federal Laws and how to apply the laws to your benefit.
  • We offer a way out from the burden of any type or amount of debt – no case is too complex.
  • We have helped hundreds of clients and understand the complexities involved with all types of situations.
  • We go above and beyond and have earned some of the state's highest client satisfaction ratings.
  • We cater to the needs of our clients, including affordable payment plans and free consultations.

View Our Client Testimonials

  • "Alex Hilton was there for us when we needed an attorney with integrity. He did not make us feel badly about our situation and encouraged us to walk with our heads up." – Erika D.
  • "I had been 'taken' and 'financially' destroyed by a previous bankruptcy attorney. A few simple phone calls and e-mails (always from him - personally!) - and we were well on our way to winning the case. In a matter of weeks he completely reversed my damages and I was on the road to recovery!" – Edmond V.
  • "He helped me with all my legal stuff and gave me back my life that I use to have. I would like to take the time to thank him over and over again for the help!" – Anonymous

Repay Your Debts by Creating an Effective Plan

Chapter 13 bankruptcy can be ideal for many consumer debtors because it allows them the option to repay their debts in affordable installments. Unlike Chapter 7 bankruptcy, Chapter 13 bankruptcy actually gives debtors the opportunity to pay back their debts gradually, over a set period of time (typically between 3 to 5 years).

This specific type of bankruptcy protection is often only afforded to consumer debtors who have the financial means or regular income needed to pay back their debts over time. If you are considering filing for Chapter 13, the courts will require that you prove your financial ability to maintain your monthly payments stated in your unique repayment plan.

There are many advantages under Chapter 13 to consider:

  • Can help put an immediate stop to collection attempts by creditors.
  • Can help put a stop to foreclosure or repossessions.
  • Can help you avoid any wage garnishments.
  • Can help you keep your property or assets while you pay off your debts.
  • Can help protect any co-signers who have signed for your property.
  • Can help pay back all debts through the repayment plan (3-5 years).

Though it is true that bankruptcy can remain on a credit report for up to 10 years, do not let this hinder you from getting the legal help you need at this time. With the appropriate legal guidance and support, you can repair your credit and begin applying for loans in no time!

Call for a free consultation - (405) 294-4330.

We understand that it may be tempting to simply wait until the situation goes away on its own, but failure to properly address your financial situation could actually make matters worse. Get the help you need by speaking with Alexander Hilton & Associates.

Our Oklahoma City Chapter 13 bankruptcy lawyer can listen to all of your concerns. We would be happy to address your questions accordingly so that you can make informed decisions that not only brighten your financial future, but also give you a well-deserved peace of mind.

Put an end to your debt nightmare and start living life debt-free!
Call today or fill out our free consultation form to get started.

Clients Share Their Experience

"To be a good attorney, you have to focus on one thing. We know the law and we use the law to advocate for our client's best interests." - Alexander Hilton
  • “He worked hard on our mess of a Chapter 13 case. I will recommend him to anyone I know that is in need of a Bankruptcy Attorney.”

    Former Client
  • “He offers a lot of great advice and does not rush you into making a decision.”

    Former Client
  • “I was terrified and overwhelmed and Mr. Hilton helped make an impossible situation manageable and he did so with patience and extreme kindness.”

    M&S B. Oklahoma City, OK
  • “Alexander Hilton is a rare delight to work with when times aren't so good!”

    Jay Newton & Family
  • “Any time I had a question, he was quick to answer my calls or emails.”

    Former Client

Let's Get Started Together.

First Step: Discuss Your Case.
  1. Evening and weekend appointment availability
  2. Flexible Chapter 7 bankruptcy payment options
  3. Personalized attention from start to finish
  4. Representation from a law firm with one of the highest client satisfaction ratings in the state
Request a Free Initial Consultation
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