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Bankruptcy vs. Debt Settlement in Oklahoma

Is Debt Settlement Worth It?

Debt settlement is not worth it. Bankruptcy is the superior choice. Debt Settlement companies charge substantially more than the cost of a Bankruptcy and can take years to settle only a portion of your debts.

Reasons to choose bankruptcy:

  • Bankruptcy costs less and wipes out debt completely in 90 days.
  • Many people who enter debt settlement programs wind up being sued anyway, forcing them into bankruptcy after having wasted a lot of money needlessly.
  • You must pay tax on any debt forgiven by settlement. You pay no tax on any debt discharged in Bankruptcy.
  • Debt settlement does not help your credit score at all.

Debt Settlement Agents vs. Bankruptcy Lawyers

Debt settlement agents are not licensed attorneys. Although they frequently advertise "legal services", they are unlicensed, have taken no oath, and owe you no duty of competence. People in debt settlement programs usually get sued eventually. When they do, the debt settlement company advises them to find a competent bankruptcy attorney.


Want to know more about your options when it comes to debt relief? Contact Alexander Hilton & Associates online or call (405) 725-1441 to schedule an appointment. Your initial consultation is free!

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  1. Evening and weekend appointment availability
  2. Affordable 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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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
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  • “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
  • “Our case complicated and our situation was dire... He took our case, got it sorted out and got our discharge.”

    Steven Okc, OK
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    Denise