Do I Need an Oklahoma Bankruptcy Lawyer to File Chapter 7?

When people experience serious financial problems, they often do not know where to turn for help in order to get out from under the mounting bills, increasing number of collection calls and letters and ever-rising stress and fear. One option to put an end to this struggle is to file for bankruptcy protection under Chapter 7 of the United States Bankruptcy Code, but some people may mistakenly believe that they do not need the help of an Oklahoma City banrkuptcy lawyer in order to complete this process. Below are a few reasons why you should seek this sort of help in order to make sure that you put your financial troubles behind you.


For decades, the bankruptcy code remained largely unchanged, and in terms of the different types of bankruptcy, filing under Chapter 7 was the simplest form of filing. However, that all changed in 2005 when new bankruptcy laws added several requirements that were meant to determine whether or not someone was eligible for a Chapter 7 filing. These technicalities involve a complicated ‘means test’ as well as requirements including credit counseling and other intricacies that must be properly handled in order for a Chapter 7 case to move forward. Failure to comply with these requirements could force someone to move into a Chapter 13 filing or could lead to a dismissal of the case altogether in certain circumstances.


Aside from the new bankruptcy law requirements, there are also several schedules and petitions that must be completed properly in order for a Chapter 7 filing to be valid. These documents require meticulous attention to detail so that a creditor cannot successfully challenge certain debts or assets present on them. Even one small mistake can put the entire case at risk, and when this occurs the entire process of collections could begin once again if the case is dismissed.

People who need the help that bankruptcy provides have generally dealt with severe financial stress for long enough. Rather than risk a continuation of this process, seek the help of an Oklahoma City bankruptcy lawyer who understands how to successfully see these cases through to completion.