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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

  • “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

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

    Former Client

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

    Jay Newton & Family

  • “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

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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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