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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.

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"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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    Thank you Alexander Hilton and Associates

  • “Thankful for Alex!!”

    Anonymous

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

    JB

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    Alisa

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

    Former Client

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