That’s why you must turn to our team of Oklahoma City Attorneys that have the right skills for the job. Whether your needs are in bankruptcy (Chapter 7, 13, or 11), estate planning (Wills and Trusts), probate, business formation, personal injury, and most any . The City of OKC uses competitive bidding for one-time purchases, contracts and pricing agreements. Requests for bids are issued year-round, but most are from February to June. For bidding on Public Works construction projects, you can find more information on the Public Works Department website. Sep 13, · Collect Your Oklahoma City Bankruptcy Documents. Filing bankruptcy in Oklahoma City involves quite a bit of paperwork. When filling out your bankruptcy forms, you will have to disclose information about your financial affairs, like your expenses, income, and karacto.xyz are some documents that are needed to verify your income when filing bankruptcy in Oklahoma City.
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This will be the last step before you head to the courthouse to file all the paperwork needed for your Chapter 7 bankruptcy in Oklahoma. Some of the information contained in the forms is time sensitive, so be sure to make any necessary updates if some time has passed since you filled everything out. It's helpful to have a checklist in front of you as you print everything.
A lot of the forms needed when filing bankruptcy in Oklahoma look alike and it is easy to lose track. Make sure you print everything on white 8. Even though it may seem a little wasteful, don't print on both sides of the paper. Since these documents are going to be part of the court's file for your Oklahoma bankruptcy case, they cannot be double-sided. The first thing you will have to determine is which Oklahoma bankruptcy district your paperwork has to be filed in.
There are three districts in the state, and the county you live in determines which district you have to go to. Start by checking this list of counties to determine the proper district for your Oklahoma bankruptcy. Depending on which district you fall into, you will have to head to either Muskogee, Tulsa, or Oklahoma City. Either way, remember that you will have to go through security on your way into the courthouse and leave anything that might make the Federal Marshals nervous at home.
Once inside the courthouse, head to the clerk's office. This is the office where folks filing bankruptcy in Oklahoma hand in all of their paperwork. The clerks in that office will take your bankruptcy forms and your court filing fee and provide you with a case number after processing everything. While you are in there, remember that even though this is an extremely stressful time for you, the clerks are here to help you and should be treated with courtesy. Everyone who files a Chapter 7 bankruptcy in Oklahoma has a trustee appointed to handle their case.
One of the things the trustee has to do is compare the information you provided on the documents you filed with the Oklahoma Bankruptcy Court to the information contained in your tax return.
This means that, at minimum, you have to be ready to send your most recent income tax return to your trustee after filing bankruptcy in Oklahoma. Since the trustees operate independently from each other, each one handling their own case load, they have developed different processes for efficient handing of the Oklahoma bankruptcy cases assigned to them. After your case is filed, make sure to keep an eye out for any correspondence from your trustee, as it is not unusual for them to send letters with a request for additional documents to each of the debtors.
If you do receive such a request, make sure to carefully review it and comply with the instructions contained in the letter in a timely manner, as failure to cooperate with your trustee can delay the entry of your discharge or, in extreme cases, result in the loss of your discharge. The purpose of filing Chapter 7 in Oklahoma is to get a fresh start. This fresh start begins when you file your case and the automatic stay goes into effect, and becomes permanent when your discharge is entered.
Before the court can enter the discharge in your case, you have to complete bankruptcy course 2 and file your certificate of completion with the court. This course focuses on providing you with financial management skills and tools that will help you make the most of your fresh start after your Chapter 7 bankruptcy in Oklahoma is done. As before, it is very important to confirm that the company you plan on using to complete this requirement is approved for the Oklahoma bankruptcy district you live in.
A full list of all providers for all three districts is available from the Office of the United States Trustee. If you liked the company that you did the first course with, it's ok to ask if they are also approved to offer bankruptcy course 2 and, if so, go through them to fulfill this requirement.
The meeting, also called the meeting of creditors , takes place about a month after your case is filed. Everyone filing bankruptcy in Oklahoma has to attend a meeting. They are scheduled in half-hour increments, but since most meetings only take about 5 minutes, multiple cases are scheduled at any one time. This is actually not a bad thing, as it typically means that you'll be able to watch a few of them before your case is called, so you know exactly what to expect.
The primary purpose of the meeting is for the trustee that is handling your case to ask you certain questions about your Oklahoma bankruptcy case while you are under oath and on the record. The questions are not hard, and actually, this is the one time where people who have a lawyer still have to do exactly the same thing as the folks filing bankruptcy in Oklahoma without a lawyer because lawyers are not generally allowed to answer the trustee's questions.
Your creditors are invited to attend this meeting, listen to your answers, and even ask you questions directly, while you are still under oath, after the trustee is done, though that does not actually happen in most cases.
Your car is an asset in your Oklahoma bankruptcy case. This is true even if you think or know that the car isn't really worth much, as it's ultimately up to the trustee to find the answer to that question. If you have a car loan you are still making payments on, you should find out if you have any equity.
If your car is owned free and clear, or if you have equity, then as long as its value or equity is less than the allowed exemption , nothing changes. A lot of people filing Chapter 7 in Oklahoma still have a loan when their case is filed. If that is you, then rest assured there is a way of dealing with your car that works for your situation. If you don't want the car, or can't easily make the monthly payments even though you no longer have to pay all your other creditors anymore, you should surrender the vehicle.
If you want to keep it, you will have to find a way to pay for it. One way is to enter into a reaffirmation agreement that, in effect, pulls the loan out of the pool of discharged debts, and keep everything as it was before your case was filed. Another way is to get rid of the loan by paying the bank for the current fair market value of the vehicle. This process of redemption is especially beneficial if the loan balance is much greater than the value of the vehicle.
Not everyone is able to file a Chapter 7 bankruptcy in Oklahoma. Only people whose household income is less than the applicable income limits automatically pass the Oklahoma means test for bankruptcy.
Everyone else has to go through the full means test calculation to determine whether they can file a Chapter 7 bankruptcy in Oklahoma. The official national bankruptcy forms are the largest part the Oklahoma bankruptcy forms needed for your Chapter7 bankruptcy in Oklahoma.
In addition to these national forms, all of which are available for free online , each district has a certain number of local forms. These local forms are often well beyond what is needed in a typical Oklahoma bankruptcy under Chapter 7 of the Bankruptcy Code, with one exception.
The declaration regarding your payment advices, are a sort of cover page for the paycheck stubs you are required to submit. The Bankruptcy Court for the Eastern District is located in Muskogee and covers a jurisdiction of 26 counties.
This district also requires everyone filing a Chapter 7 bankruptcy in Oklahoma to use a local form when submitting their paycheck stubs. Additionally, a number of local forms for various bankruptcy matters, including Chapter 13 bankruptcy , are available on its website. While it's good to keep this resource in mind, you shouldn't need any other local forms when you first go to court to file your Chapter 7 bankruptcy in Oklahoma.
None of them are needed when you initially file your Oklahoma bankruptcy case. The Northern District of Oklahoma, established in , and is comprised of 11 counties in the northeastern corner of the state.
The court itself is located in Tulsa, Oklahoma. In addition to the district specific declaration of payment advices, this district requires everyone who files Chapter 7 bankruptcy in Oklahoma without an attorney to complete and file this Pro Se Filing Disclosure.
The largest of the three districts, the Bankruptcy Court for the Western District hears cases from 40 counties and is located in Oklahoma City. Given the large geographic area this this district covers, meetings take place in Oklahoma City, Enid, and Lawton. The county you live in determines where the meeting for your Chapter 7 bankruptcy in Oklahoma will be scheduled. Chapter 7 bankruptcy in Oklahoma City is designed to give you a fresh start.
Subject to the means test for individuals, bankruptcy relief is available under Chapter 7 regardless of the amount of your debt or whether you are solvent or insolvent. In contrast, a Chapter 13 bankruptcy is a reorganization where you or your attorney comes up with a payment plan that must be approved by the Court to repay your creditors within five years.
It is important to decide whether to file for bankruptcy protection under Chapter 7 or Chapter A vast majority of people in Oklahoma City seek Chapter 7 bankruptcy protection, a liquidation bankruptcy that provides filers with a fresh start in as little as a few months. Many of the preconceived notions that many people have about filing bankruptcy are simply false. Bankruptcy often gets a bad reputation based on these half-truths.
People think that if they file bankruptcy, they will lose everything. The truth is that most people filing bankruptcy in Oklahoma City keep everything and still get a discharge of their unsecured debt. If you hire an attorney , they will file your Oklahoma City bankruptcy petition , help you through the Means Test and represent you in Court.
However, hiring a bankruptcy lawyer is not mandatory, and you can file Chapter 7 bankruptcy in Oklahoma City on your own and save a lot of money. Many people want to know how to file bankruptcy in Oklahoma City for free. This City Guide and other resources will give you an overview of the Oklahoma bankruptcy process so that you can get out of debt soon. Filing bankruptcy in Oklahoma City involves quite a bit of paperwork. There are some documents that are needed to verify your income when filing bankruptcy in Oklahoma City.
This is done using your paycheck stubs for the last six months and your federal income tax returns for the last two years. It is good to collect all these documents before filing Oklahoma bankruptcy. It will take about one to two hours to complete this course and having all the Oklahoma City bankruptcy documents you collected nearby will be useful as you go through it.
The course is fairly simple, and you can take it over the phone or on your computer. Completing the bankruptcy forms before filing bankruptcy in Oklahoma City is the part of the process that is likely to take up most of your time. Most people choose to pay their fee in four installments.
The truly hard and document-intensive part of getting ready to file Oklahoma City bankruptcy is now complete, and your bankruptcy forms are ready to be filed.
Now you will have to print your forms. If you are filing bankruptcy in Oklahoma City without a lawyer, don't print your forms double-sided, and do not staple them together. Also, if possible, print out a second copy of everything for your own records. When you go to the Court for filing bankruptcy in Oklahoma City, you should bring along a government-issued picture ID. As there may be a long line at the clerk's office, it is best that you not to wait until the end of the day to go to the courthouse.
If you printed a second set of your forms, bring them with you to the courthouse. The clerk will stamp them for you with the date and time your case was filed and your case number. Also, they monitor the progress of your Oklahoma bankruptcy case to prevent any undue delay and report any suspected criminal activity.
As bankruptcy Trustees in Oklahoma are independent contractors, they have developed their unique process for performing the required due diligence in Oklahoma City bankruptcy cases that are assigned to them.
In addition to the credit counseling certificate from an approved agency, you must file a form certifying the completion of the financial management or debtor education course with the Oklahoma Bankruptcy Court. You have to take it after filing bankruptcy in Oklahoma City. There are many approved debtor education providers in Oklahoma. Once your Oklahoma City bankruptcy case is filed, a meeting of creditors , also called hearing is set.