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Understanding the Bankruptcy Process

Filing for Bankruptcy in Oklahoma?

A Fresh Start - Learn How to File for Bankruptcy

At Alexander Hilton & Associates, we understand how serious a decision filing for bankruptcy is. Before you take the next step, you need to think through all of the implications and alternatives available to you. When you are ready to pursue this option, you can find supportive counsel and guidance at our firm. As a leading bankruptcy lawyer, Attorney Hilton brings more than two decades of experience to the table. He provides affordably priced bankruptcy services for clients.

Need assistance with filing for bankruptcy? Fill out a case evaluation now.

Steps Required to File for Bankruptcy

Prior to being eligible to file for bankruptcy in Oklahoma, you must go through a mandatory credit counseling program within six months of trying to file. After this process has been completed and you have finished filing, a debtor education course is required before a discharge will be granted to you.

Follow the steps below to prepare for your filing:

  • Determine if you are filing under Chapter 13 or Chapter 7 (a "means test" required)
  • Gather bills and files documenting all relevant financial matters
  • Collect your tax returns, deeds to property, and vehicle titles
  • Review property and assets and determine what is eligible for exemption
  • File a petition and schedules with your Oklahoma district bankruptcy court

You need to file in the designated court for your specific geographical area. Find the court nearest you below:

  • Western District: Oklahoma City
  • Eastern District: Okmulgee and McAlester
  • Northern District: Tulsa

Once you have filed, you will likely have an automatic stay put in place, which will put a stop to all creditor and collection actions. From there, a trustee will be assigned to your case and call a meeting with creditors. If you filed Chapter 13, your suggested repayment plan must be approved before proceeding. If you qualified to file under Chapter 7, your assets will need to be liquidated to pay offer as much of your debts as possible and satisfy your creditors.

What exemptions does Oklahoma offer?

Oklahoma only allows consumers to use state exemptions, not federal ones. However, you can still use federal non-bankruptcy exemptions, which protect assets such as veterans’ benefits and federal retirement accounts. These exemptions are designed to help consumers keep as much of their property as eligible after filing for bankruptcy.

The State of Oklahoma exemptions include:

  • Up to 160 acres outside of the city (1 if inside)
  • Limited household furnishings
  • One vehicle valued at $7,500 or $15,000 if married
  • Up to $10,000 worth of tools for a specific trade
  • Certain amounts of livestock
  • Firearms valued at up to $2,000
  • No more than $3,000 for wedding rings
  • Up to $4,000 worth of clothes
  • Tax exempt retirement accounts
  • Unemployment compensation or Social Security

When you file, you need to make sure you capitalize on the correct exemptions, which is why it is so crucial that you work with a legal professional who understands these exemptions and how to utilize them to avoid and discharge debts.

Not sure how to file for bankruptcy in Oklahoma? Start the process today by calling on our Oklahoma City 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
  • “Mr. Alex Hilton was very professional and treated us with respect and dignity.”

  • “Thankful for Alex Hilton”

  • “Our case complicated and our situation was dire... He took our case, got it sorted out and got our discharge.”

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

    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
  • “Genuine and trustworthy!”

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

    Khan Oklahoma City, OK
  • “Thankful to have Alex”

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

  • “Highly recommend”


    Edmond V.
  • “Thank you so very much”

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

    Jay Newton & Family
  • “Glad I found this attorney!”

  • “Awesome attorney!!!”


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  3. Personalized attention from start to finish
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