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Chapter 7 Bankruptcy in Oklahoma

Chapter 7 Bankruptcy Eligibility & Oklahoma Means Test

Wondering if you can file? Call our Oklahoma City bankruptcy lawyer!

If you are considering filing for Chapter 7 bankruptcy, you must first pass the means test. This is the part that many individuals can get overwhelmed with. The good news is that you do not have to figure it out on your own! Alexander Hilton & Associates has helped countless clients successfully navigate their Chapter 7 bankruptcy filings and can do the same for you.

With more than two decades of proven experience under our belts, we know how to quickly and effectively determine when our clients are eligible to file under Chapter 7. When you come to us, we will help you gather all financial documents, calculate your current monthly income accurately, and assess whether Chapter 7 will work for your situation.

Determining Your Eligibility for Bankruptcy

Bankruptcy Means Test Oklahoma

The means test in Oklahoma measures a person’s finances against the average in their area to determine if they will be eligible to file for Chapter 7 Bankruptcy. If your level of income is below the median in your area you automatically pass the means test.

The presumption of ineligibility for chapter 7 due to high incomes is rebuttable:

  • Only an experienced Oklahoma bankruptcy attorney can successfully rebut the means test presumption of ineligibility and qualify persons with higher income for chapter 7 bankruptcy.

For instance, tax witholdings, insurance costs, auto expenses, above-average medical expenses,
charitable contributions and many other expenses can be used to reduce gross monthly income and
qualify those who might not otherwise qualify.

Exemptions to the Means Test Requirement - Certain individuals are exempt from means testing, including:

  • Disabled veterans who incurred 50% or more of their debts while on active duty;
  • Persons whose debts are at least 50% business related (non-consumer debts)
  • Social Security income is not included in means testing

Exceptions to the Means Test

In several situations, individuals can gain somewhat of a fast-pass to filing Chapter 7 bankruptcy, without having to qualify for the means test.

Those that can be considered exceptions to the means test include:

  • Disabled veterans who incurred most debts while serving
  • The national guard and members of the military reserve
  • Those with more than 50% non-consumer debts (business debts)

Don’t wait any longer! Find out if you qualify for Chapter 7 today by calling our OKC bankruptcy firm.

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
  • “Unparalleled Legal Prowess”

  • “Amazing Attorney!”

  • “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
  • “Best people ever!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!”

    Penny J Perdue
  • “Any time I had a question, he was quick to answer my calls or emails.”

    Former Client
  • “"If you are looking for someone to help you get back on track financially [...] Alex Hilton is your man."”

    Khan Oklahoma City, OK
  • “Immense patience and compassion”

    Jeannine M.
  • “If you ever find yourself faced with the prospect of filing bankruptcy, I can recommend Mr. Hilton to you without reservation.”

  • “Excellent Attorney!”

  • “Thank you again for helping me to get my life back”

    Thank you Alexander Hilton and Associates
  • “"Mr. Hilton is a gem and a pleasure to work with!"”

    L & M Johnson Oklahoma City, OK
  • “Thankful for Alex Hilton”

  • “Alex Hilton is a professional and experienced attorney with advanced legal knowledge.”

  • “Atty Hilton is such a Professional in all areas”

  • “Alexander Hilton is a rare delight to work with when times aren't so good!”

    Jay Newton & Family

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
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