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Bankruptcy vs. Debt Settlement in Oklahoma

Is debt settlement better than bankruptcy?

Answer - NO. Bankruptcy is superior to debt settlement. Debt Settlement companies charge substantially more than the cost of a Bankruptcy and can take years to settle only a portion of your debts.

  • 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 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.

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
  • “Highly recommended, Alex Hilton is first class.”

    Anonymous
  • “Thankful for Alex Hilton”

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

    Jay Newton & Family
  • “A professional with genuine concern for his clients”

    Deborah D.
  • “Excellent and Compassionate Attorney”

    Excellent and Compassionate Attorney
  • “I recommend Alex Hilton”

    Denise
  • “I felt at ease and gave me hopes that there is light at the end of the tunnel”

    What a relief! Peace of mind
  • “Immense patience and compassion”

    Jeannine M.
  • “Thank you so very much”

    C.M.
  • “"Mr. Hilton is a gem and a pleasure to work with!"”

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

    Anonymous
  • “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
  • “Professional competence and personal compassion. A great combination.”

    Anonymous
  • “He fought for me, and we won.”

    L.S.
  • “I will tell anyone that I highly recommend you and trust 100%.”

    Robert Wall

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  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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